Cycle and E-bike Insurance
Cycle and E-bike Insurance that gives you more
We've partnered with Bikmo to offer enhanced cover - designed for those who take their bikes away when touring. It covers you against a financial loss if your bike, e-bike or kit is stolen or damaged anywhere in the world. Plus there are a number of other great benefits - like cover to get you back home (or to your holiday accommodation) if you hit some bad luck.
Service you can trust
Enhanced cover
Covers bikes in locked vehicles and caravans, on bike racks and locked to a caravan or trailer (subject to Bikmo's locking requirements)
Discounts for e-bikes and multi-bike owners
Get a discount of 25% off premiums when covering an e-bike, and a 50% discount on all but your highest-value bike, when you cover more than one bike on the same policy
Members get 12 months for the price of 11
Applied as an 8.33% discount (subject to a minimum premium of £3.73 a month) and policy wordings apply
Pay monthly at no extra cost
0% interest charge on monthly payments. No extra cost to pay for cover over 12 months
Why choose cycle-specific insurance?
Adding bikes to your home insurance can be appealing, as it’s often cheaper than taking out cycle-specific insurance. But it's worth checking your home insurance policy actually provides all the cover you need for your beloved bikes.
Here are 5 reasons why home insurance can fall short for riders:
- Your premium will usually increase when making a claim.
- Home insurance excesses can mean it’s not worth claiming for your losses.
- Public liability and personal accident cover might not be included.
- The maximum bike value that can be insured is sometimes as low as £500.
- Some home insurance cover excludes theft of, and damage to, your bike away from home.
What's included in Bikmo's cycle and e-bike cover:
- Theft cover.
- Accidental damage optin (available on Go and Plus).
- 365 days' worldwide cover, for when you take your bike abroad.
- Returning home cover and emergency bike hire.
- Public liability and Personal Accident cover options (available on Clik and Plus).
- Clothing, headgear and accessories.
- Family and friends cover.
- Interest free - no fees for monthly payments.
Frequently asked questions
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Is my bike covered when stored in or on my outfit?
Bikmo knows Club members have different outfit types , so their policy is designed to be flexible when it comes to securing your bikes in or to caravans, motorhomes or campervans. The following is covered*:
- Leaving your bike unattended in a locked caravan or motor vehicle.
- Locking your bike to a cycle rack fitted to a caravan, motor vehicle or trailer.
- Locking your bike to a caravan or trailer fitted with a wheel clamp or hitch lock.
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Do I need to be a member to buy cycle insurance through the Club?
If you’re a non member, you can purchase cycle insurance through the Club and you’ll benefit from the cover enhancements that are specifically aimed at caravan, motorhome and campervan owners.
However, as a non member you won’t be entitled to the exclusive member savings of 12 months for the price of 11**. You also won’t be eligible for 14 days of free insurance cover for bike theft and accidental damage, on any new bike up to 7 days old.
Why not join today and benefit from all the other great benefits and savings being a Club member entitles you to.
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Can I insure multiple bikes?
Yes, you can insure additional bikes under a single policy as long as they are usually kept at the same address. You’ll also benefit from up to 50% multi-bike savings if you add more bikes to your policy.
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Can I insure an electric bike?
Yes, Bikmo insures all types of electric bikes providing they meet the requirements of the Road Traffic Act.
You’ll also benefit from the 25% discount applied by Bikmo to electric bikes over regular cycles.
Find out more about the Government's definition of an e-bike here
If you’re still not sure, Bikmo will be happy to help. Drop them an email or call them on 01244 470522.
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How should I lock my bike?
When leaving your bike unattended away from your caravan, motorhome or campervan, always lock your bike through the frame to an immovable object with a Sold Secure rated lock. Ensure the lock meets Bikmo’s locking requirements. See their full locking requirements here.
You do not need to lock your bike to anything when you are leaving them in your locked vehicle, caravan, motorhome or campervan.
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How do I make a claim?
Making a claim is simple with Bikmo. You can do so in your Bikmo account area, via email at camc@bikmo.com or give them a call on 01244 470522.
Find out more about how to make a claim here.
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How do I cancel my policy?
Policies can be cancelled easily in your Bikmo account area. More information can be found in the following links:
See more FAQs
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*Subject to Bikmo's locking requirements. Enhanced cover benefits: available to all members and non-members; available when purchasing a Bikmo policy via https://www.caravanclub.co.uk; enhanced cover benefits will be applied as endorsements and shown on your schedule.
**12 months for the price of 11 is applied at a 8.33% discount.
Bikmo cycle insurance is provided by Bikmo Limited, Glendale House, Sandycroft Industrial Estate, Flintshire CH5 2QP, who are authorised and regulated by the Financial Conduct Authority ref. 745230
Underwritten by Hiscox.