Get started with a super simple quote from Bikmo

My postcode is

I want to insure bike

worth £

Of these bikes, the most we take away from home at one time is bike

worth £

Am I eligible for a Bikmo policy?

Eligibility Criteria

  • You must be aged 18 or over
  • You or any person to be covered by this insurance must be resident in the United Kingdom
  • You or any person to be covered by this insurance must not use your bike for professional purposes other than commuting or if you receive annual competition appearance fees of less than £5,000
  • In the past 5 years you or any person to be covered by this insurance must not:
    • have made more than 2 claims for theft or damage to your cycles
    • have a total value of all claims relating to the theft or damage of your cycles that exceeds £5,000
  • You or any person to be covered by this insurance must not have had any insurance or proposal
    • cancelled
    • withdrawn
    • declined
    • made subject to special terms
  • You or any person to be covered by this insurance must not have been;
    • convicted of or charged with any offence, other than a motoring offence or conviction spent under the Rehabilitation of Offenders Act 1974; or
    • declared bankrupt or become insolvent or made any voluntary arrangement with creditors or been subject to enforcement of a judgement debt.

For full details on policy requirements, please refer to our Terms of Business and our Privacy Policy .

All other policy information can be found at the Bikmo key information page .

We have designed the Bikmo policies to meet the demands and needs of most customers who cycle competitively, for pleasure, leisure or those who commute. However, Bikmo policy sales are non-advised. This means we will not make a direct recommendation that the policy will meet your demands and needs. See more

We feel there is sufficient information provided on the website within our Policy Wording and Insurance Product Information Document (IPID) to enable you to make an informed choice as to the suitability of the products to meet your demands and needs.

Disclosure of information

You must take reasonable care not to make misrepresentations when answering questions for your Bikmo policy. This means that you should ensure that you answer questions put to you carefully and truthfully. If you do not understand or are unsure of a question you should ask us to clarify.

If you are careless in answering the insurer’s questions or deliberately make a misrepresentation, this may render the insurance void from inception (the start of the contract) and/or result in your claim not being paid in full or at all.

This requirement not only applies at commencement and renewal of the policy but at any time during the period of insurance.

If you would like to download this demands and needs statement then please click here .

Here are your personalised quotes, choose to pay 0% interest on monthly payments, or pay annually in one fell swoop.

GO

For riders who need bike cover quicker than a flash

£5.14 /mth Or £61.68 /yr

Benefits included

  • Theft + accidental damage
  • Sportive cover
  • £250 or 10% Clothing & headgear
  • £250 or 10% Accessories
  • Worldwide cover
  • Multi-bike - up to 50%
  • £100k Legal expenses cover
Full Benefits
  • Theft
  • Accidental damage
  • Vandalism
  • Worldwide cover
  • £250 or 10% Clothing & headgear
  • £250 or 10% Accessories
  • £500 or 10% Bike box
  • £150 Returning home cover
  • £500 Alternative cycle hire
  • Excess-free replacements
  • £100k Legal expenses cover
  • Family + friends
  • Multi-bike - up to 50%
  • New for old - no depreciation
  • 0% monthly payments

PLUS

Broader cover for enthusiast riders who need to cover themselves too

£5.14 /mth Or £61.68 /yr

All GO benefits and

  • £20k Personal accident
  • £2m Public liability
  • £5,000 medical expenses inc. physio
  • £2,500 counselling expenses
  • £1,000 dental injury
  • £500 optical injury
Full Benefits
  • Theft
  • Accidental damage
  • Vandalism
  • Worldwide cover
  • £250 or 10% Clothing & headgear
  • £250 or 10% Accessories
  • £500 or 10% Bike box
  • £150 Returning home cover
  • £500 Alternative cycle hire
  • Excess-free replacements
  • £100k Legal expenses cover
  • Family + friends
  • Multi-bike - up to 50%
  • New for old - no depreciation
  • 0% monthly payments
  •  
  • £20,000 Personal accident (death + capital benefits)
  • £2m Public liability
  • £5000 Additional medical expenses inc physio
  • £2500 Counselling expenses
  • £1000 Accidental dental injury
  • £500 Accidental optical injury

RACE

Our highest level cover for riders who love to push their limits

£22.07 /mth Or £264.84 /yr

All GO and PLUS benefits and

  • Road race cover
  • Crit race cover
  • Circuit race cover
  • £500 Race Fee
Full Benefits
  • Theft
  • Accidental damage
  • Vandalism
  • Worldwide cover
  • £250 or 10% Clothing & headgear
  • £250 or 10% Accessories
  • £500 or 10% Bike box
  • £150 Returning home cover
  • £500 Alternative cycle hire
  • Excess-free replacements
  • £100k Legal expenses cover
  • Family + friends
  • Multi-bike - up to 50%
  • New for old - no depreciation
  • 0% monthly payments
  •  
  • £20,000 Personal accident (death + capital benefits)
  • £2m Public liability
  • £5000 Additional medical expenses inc physio
  • £2500 Counselling expenses
  • £1000 Accidental dental injury
  • £500 Accidental optical injury
  •  
  • Competition cover
  • £500 Race Fee
These prices include Insurance Premium Tax at 12%.

Includes: Boom! that's 5% off your premium with ARCC!
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Legal Expenses Cover is provided by a free companion cover, underwritten by ARAG.
Further information regarding both the Bikmo Cycle policy and the Legal Expenses policy can be found in the policy documents and on our Support pages.
You can opt out of receiving the free legal expenses cover by

You must ensure you meet the eligibility criteria for our policy.