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

Quick and easy to organise cycle insurance.

5 out of 5 stars

David Clark / 13 hours ago

Quick and easy to organise cycle insurance.

Brilliant Bikmo for bikers' peace of mind.

5 out of 5 stars

Kate Graham / 1 day ago

Really friendly and helpful on the phone. A simple easy to understand cover. And I got a discount for insuring an ebike!

5 out of 5 stars

Bikmo Customer / 1 day ago

Friednly ease to use, fast response time

Deal with real people, not a call centre

5 out of 5 stars

Bikmo Customer / 2 days ago

Very good service. Very easy to deal with. Would recommend.

Good Service

5 out of 5 stars

Charles uzor / 3 days ago

Easy to use site and different levels of adequate cover

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.