cycle insurance

Award winning cover for your bikes + kit
Exclusive saving for Cyclescheme customers

Bikmo is the official insurance provider for Cyclescheme

With so many people riding following Covid-19, we’re receiving significantly more calls than usual.
Please contact us by email if your enquiry is not urgent, and one of the team will respond as soon as possible.

Policy benefits


Argh, did your prized bike get stolen? It happens and that’s why we’re here, just make sure you comply with our locking requirements.

Accidental damage

Everyone crashes, even the pros. Our policy covers you for accidental damage to your bike, so you can get back up and keep on riding.

Clothing + Headgear

What you wear can be just as important as what you ride, so we cover clothing and headgear, as standard. You just need to sort out the gravel rash…


Gadget geek? We cover bike accessories as standard, so your Garmin, lights, power meter are protected. Batteries not included.

Excess free option

We love local. That’s why we offer excess-free claims, using the support and knowledge of our most excellent local retailer network.

0% monthly payments

We won’t charge you to split your payments across the year, so maybe a new wheelset is in order? Lighter, faster and all that.

Independent reviews by



Independent rating based on 178 reviews

Used comparison sites and still best value

5 out of 5 stars

Steven Headen / 13 hours ago

Cheaper than most on net and a lot more benefits. Feel safe to park bike up and leave it.

Simple & easy to use & had bonus of 10% discount to Cyclescheme members

5 out of 5 stars

David Williamson / 17 hours ago

Simple & easy to use with no vast amount of form filling involved. The 3 policies available showed exactly what they covered.

Great price, easy purchase.

5 out of 5 stars

Cara Simmonds / 2 days ago

Great. Easy to use got a great quote quickly and easily and then in just a few clicks sorted out the insurance I need for my bike.

Much better than other providers so far

5 out of 5 stars

Natalie Izzard / 4 days ago

Very easy to set up a policy and customer service was prompt. Much more prompt than some competitor providers!

5 out of 5 stars

John Wilby / 7 days ago

My Bike was upgraded and sorted within a very short time frame which under the current circumstances was a challenge

Meet the team

Small enough to care, large enough to cope, able to chat about bikes all day… your Bikmo team are here to help you enjoy your cycling more, give you peace of mind, the best deals, and the kind of service you and your bikes deserve.

That’s when we’re not riding the Welsh hills, anyway.