Our policy

Here's a quick hit of all the information you need to know about your Bikmo Ireland policy.


Policy benefits

There are no options with our policy, you just get all these great benefits in one comprehensive package.  

Your bike

For single bikes or riders with n+1 syndrome.

Theft + vandalism
If your bike is stolen or damaged at home, or when you're out and about, then we'll sort you out with a repair or replacement. Just make sure you comply with our locking requirements.

Accidental damage
Over 70% of our claims are for accidental damage - our customers look after their bikes well but ride them hard! Your home insurer won't cover that.

No depreciation
We operate a simple policy. Insure your bike for €2,000, and we'll provide a replacement of up to €2,000 in the event of a total loss, regardless of the age of your bike.

Emergency bike hire
If your bike is stolen or damaged and you need a ride for getting to work or for an event, then we'll help you get a temporary replacement while your bike is repaired or replaced.


Your kit

Kit and clothing don't come cheap these days.

Clothing + helmets
Your bike gear and helmet doesn't mix well with gravel. This also includes wetsuits for our triathlete customers. We cover a minimum of €250 or 10% of your total sum insured if you take a hit.

Kit + accessories
We cover a minimum of €250 or 10% of your total sum insured towards kit and accessories. Think lights/panniers/GPS etc.
We don't cover smartphones!

Bike box cover
Airlines don't love your bike like you do. If it's damaged or stolen, we'll cover up to €500 or 10% of your total sum insured for your bike box, if damaged or stolen too.

Excess-free replacement
Local bike shops are the hub of the cycling community, and we like to support them. We work with them to provide you the option of getting back in the saddle after a claim...excess-free!


Travel + events

We live to ride new roads, trails and events.

Worldwide cover
Your policy covers up to 30 days riding anywhere in the world, including cover for your bike in transit. Time to book that trip across the Andes, Hawaii, or beat your Alpe d'Huez time.

Event cover
We cover triathlon, sportives and mountain bike enduros. Massed start and professional road events such as criteriums and road races aren't covered under this policy.

Event fees
You've timed your taper to perfection...but if your event is cancelled or you can't make it due to illness, we'll cover an event fee of up to €500.

Returning home
If you're out exploring new roads and have an accident which damages your bike, or your bike is stolen, we'll cover the costs to get you home and safe up to €150.


If you are a Triathlon Ireland member, our Bikmo triathlon policy offers you the above protection for your bikes and kit and compliments the Personal Accident and Public Liability cover you already have with your membership.

Policy documents

IPID - Insurance product information document

A short hit of the Bikmo Ireland policy benefits and exclusions if you're in a rush.

Policy wording

The long form policy benefits, exclusions and requirements. Grab a coffee.

Terms of business

This is how we do business at Bikmo. More words than mime.

Privacy policy

Your data and privacy is our highest priority. This is how we do it.

Our underwriter

We only work with underwriters who support our vision of doing awesome stuff for riders.

Your policy is arranged and administered by Bikmo and underwritten by UK General Insurance Ltd on behalf of Great Lakes Insurance SE.

Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ.

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