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Bikmo: Cycle insurance reviews

View other Bikmo products
4.29
Based on 534 reviews, last reviewed 27th Oct 2026
No new 5 star reviews
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No new 1 star reviews
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Latest highest rating:

5

Bikmo is THE insurance for all bike riders. A fantastically efficient process to take out my insurance, fully comprehensive and a 50% multi bike discount too. Any questions the customer service ... Read more Reviewed on: 15th July 2025
Luc H's avatar
Luc H

Latest lowest rating:

2

Unresponsive - choose other insurer Unresponsive and impossible to contact despite initial prompt reply to the submitted claim. After requesting additional information from me, nobody fo... Read more Reviewed on: 27th October 2026
Joan H's avatar
Joan H
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About this product

Bikmo cycle insurance provide sportive, kit and accessory cover as standard.

Bikmo cycle insurance policies cover you whether you’re riding road, MTB, tri, e-bikes or commuting to work. You can take out a policy in two minutes, access your cloud account 24/7 and do it all from your mobile.

Bikmo cycle insurance reviews help you find out what it’s really like to be a customer. If you’ve used Bikmo before, you can also leave a review and share your experience.

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Bikmo Cycle insurance reviews (534)

Unresponsive - choose other insurer

2
Unresponsive and impossible to contact despite initial prompt reply to the submitted claim. After requesting additional information from me, nobody followed up to provide update on the claim. Completely unresponsive to calls - their customer support number is a façade; my multiple calling attempts were automatically interrupted after long wait on the line. The result: bike awaits the repair, I await Bikmo's answer, but my trust in their services has been irreparably damaged. I recommend alternative insurance providers. Reviewed on: 27th October 2026
Joan H's avatar
Joan H

Claim rejected due to ridiculous technicality

1
My bike was stolen from a purpose-built, access-controlled workplace cycle store — behind two separate fob-controlled doors and locked using a Kryptonite D-lock to a fixed rack. I made a claim with Bikmo, underwritten by Hiscox. It was rejected. The reason wasn't that the bike was unsecured. It was that free, employer-provided storage doesn't meet Bikmo's policy definition of a qualifying storage facility. A paid or subscription-based facility would have been treated differently. This distinction isn't highlighted at point of sale and isn't something most people would think to check. I escalated to the Financial Ombudsman Service. The initial assessment supported my complaint. On appeal, it was overturned — the final ruling sided with Bikmo on the basis that the policy wording had been applied correctly. Final payout: £0. A goodwill gesture was offered by the Bikmo CEO following escalation, but it didn't resolve the situation. The customer service throughout was professional and responses were timely. This isn't a complaint about how I was treated. It's a warning about a specific gap in the policy that could catch other cyclists out. If you store your bike at your workplace in employer-provided storage, ask Bikmo directly whether your arrangement qualifies — and get the answer in writing before you rely on the policy. Reviewed on: 22nd April 2026
Simon Banoub's avatar
Simon Banoub

Bikmo is THE insurance for all bike riders.

5
A fantastically efficient process to take out my insurance, fully comprehensive and a 50% multi bike discount too. Any questions the customer service team pick the phone up quickly and were able to help. Reviewed on: 15th July 2025
Luc H's avatar
Luc H

Absolute scam artists!

1
Absolute scam artists!! Please do NOT take out E Bike insurance with this terrible company, my bike got stolen and they are not paying out due to the lock not being recognised by them, this was not straightforward in the Contract! Avoid these scam artists or your money will be gone , if your bike gets robbed they won't pay out !! Reviewed on: 17th December 2024
rory c's avatar
rory c

Disappointing

1
I needed to file a claim, and Bikmo took several weeks to start to process it, and then it send it to another company for further processing, which they say can take up to three days, but based on others experience, it can take a week or two. Apparently the other company often denies the claims, and therefore I am inclined to think that Bikmo is essentially a scam operation. Very disappointing. Reviewed on: 30th November 2024
Michael M's avatar
Michael M

Super quick process, great coverage and easy on the...

5
Super quick process, great coverage and easy on the pocket. The customer service team are bike experts which is reassuring. There are three levels of cover depending on how you ride plus there is a 25% discount on eBikes and 50% multi-bike discount. Reviewed on: 17th July 2024
Gary Bright's avatar
Gary Bright

Excellent customer service.

5
Excellent customer service. Very friendly staff. Claims quickly resolved. Reviewed on: 9th July 2024
Elizabeth J's avatar
Elizabeth J

Great bunch to talk bikes.

5
Great bunch to talk bikes. Super quick replacement of my broken fork. Reviewed on: 8th July 2024
Julian's avatar
Julian

AVOID - Can not be trusted

1
After having insurance with them for a couple of year, when my bike unfortunately got stolen they would not pay out because they were not willing to verify my lock. My lock was complaint with the policy, so unfortunately they mis-sold me the policy. If you want protection for your bike, so somewhere else. Avoid this company. Reviewed on: 2nd February 2024
Simon P's avatar
Simon P

Great piece of mind

5
Great piece of mind, simple to set up and great service Reviewed on: 14th October 2023
Mike's avatar
Mike

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