Business Details
12 Years
experience
Specialist Cycle Insurance for All Riders
Bikmo was founded in 2014 with a clear mission to protect cyclists and the places they ride. Originally starting as a cycle insurance comparison platform, we evolved into a dedicated provider of specialist cycle insurance, leveraging our deep industry expertise to create tailored solutions. Our team comprises passionate cyclists who understand the unique needs of riders, from everyday commuters to competitive athletes. As a certified B Corp, we prioritise sustainability and social responsibility, donating 1% of our revenue to environmental causes through the 1% for the Planet initiative. We offer comprehensive coverage for all types of bicycles, including road, mountain, e-bikes, and cargo bikes, with flexible policies that adapt to individual and business needs.Our commitment to transparency ensures no hidden fees, no small print, and no penalties for making claims. We provide 24/7 online policy management and UK-based customer support, ensuring riders receive expert assistance whenever needed. Our international coverage extends to Europe and beyond, with protections for bikes in transit and during travel. We continuously innovate to meet the evolving needs of the cycling community, offering features like multi-bike discounts, equipment coverage, and returning home assistance. Our dedication to the cycling ecosystem is reflected in our partnerships with organisations like World Bicycle Relief and Cycling UK, reinforcing our vision of a world where cycling thrives.
Services
Cycle insurance
E-bike insurance
Multi-bike policies
Travel coverage
Business insurance
Equipment protection
Theft coverage
Damage claims
24/7 support
Online management
Details
- Year established: 2014
Highlights and features
- We offer 25% discounts on e-bike insurance premiums
- Our policies include no hidden fees or small print
- We provide UK-based support from cycling enthusiasts
- We are certified B Corp with sustainability commitments
- Our coverage adapts to all bike types and rider needs
Associations and certifications
- B Corp
- 1% for the Planet
- Financial Conduct Authority (FCA)
What people say
Exceptionally friendly staff
Quick policy setup
Comprehensive coverage details
Knowledgeable support team
Transparent information
Services
Cycle insurance
Our comprehensive cycle insurance protects against theft, accidental damage, and vandalism. Coverage extends to your bike's full insured value without depreciation, with optional equipment protection up to 250. Policies include worldwide coverage for 365 days with returning home assistance for unexpected incidents.
E-bike insurance
Specialist e-bike insurance includes all standard cycle cover benefits with a 25% premium discount. Policies meet UK EAPC regulations, covering motors up to 250W with pedal assistance. Excludes de-restricted motors and throttle-only operation outside specified limits.
Multi-bike policies
Consolidate multiple bikes under one policy with 50% discounts on lower-value bikes. Coverage applies to all household bikes regardless of ownership, with independent valuation options for custom builds and upgraded components across road, mountain, and cargo bike categories.
Travel coverage
Bike insurance extends to international travel with transit protection for train, boat, and plane journeys. GO and PLUS policies cover accidental damage during transport, including airline compensation support and emergency hire bike fees for unexpected travel disruptions.
Business insurance
Tailored business insurance for cycling retailers, repair shops, and event organisers. Includes stock protection, workshop coverage, event cancellation insurance, and mobile mechanic policies. Features flexible seasonal adjustments and professional indemnity options for cycling industry operations.
Questions
Is cycle insurance legally required in the UK?
Cycle insurance isn't mandatory in the UK, but it provides essential protection against theft, damage, and liability that home insurance often excludes.
Does your insurance cover second-hand bikes?
Yes, we insure used bikes with no age restrictions. Coverage requires proof of ownership through receipts, dated photos, or bank statements.
What are the locking requirements for bike coverage?
Bikes must be secured with Sold Secure Gold or Diamond rated locks. Cable locks alone don't meet requirements unless used with approved U-locks.
Can I adjust my insured bike value after purchase?
Yes, you can update insured values anytime through your Bikmo Cloud account with no administration fees for policy adjustments.
Is bike insurance valid during international travel?
All policies include worldwide coverage with GO and PLUS policies covering transit damage during train, boat, or plane journeys.
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