cycle insurance

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

Bikmo is the official insurance provider for Cyclescheme

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

Speedy no hassle insurance repair.

5 out of 5 stars

Hugh Ponsford / 3 hours ago

Contacted Bikmo with a suspected crack in my carbon full-suspension frame. Within a week it had been inspected, the report done, and repair approved. No hassle, minimal form filling. Can't imagine how my claim could have been handled any better.

Only used it once, response was speedy, claim was processed quickly

5 out of 5 stars

Bikmo Customer / 3 hours ago

Excellent service


5 out of 5 stars

Bikmo Customer / 3 hours ago

Very easy to use


5 out of 5 stars

Giuli / 5 hours ago

Unkompliziert und sehr gut beschrieben wie die Versicherung funktioniert. Ich hoffe ist genau so bei der Schadensabwicklung!

Quick and easy to organise cycle insurance.

5 out of 5 stars

David Clark / 14 hours ago

Quick and easy to organise cycle insurance.

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.