How do I make a claim?

Your Bikmo policy is there to give you peace of mind, providing cover for many unfortunate situations that may arise and our aim is always to get you back on your bike as quickly as possible.

If you need to make a claim for any of the circumstances below, where cover is shown on your Policy schedule, scroll down to the relevant section for more details.

• Theft, Accidental Damage and Vandalism
• Public Liability
• Personal Accident
• Emergency Hire
• Returning Home Cover
• Legal Expenses Cover

Theft, Accidental Damage and Vandalism:
In the unfortunate event that your bikes is stolen, damaged or vandalised then you can choose between our online system or a manual system to make your claim.

If your bike is stolen or vandalised, please report the incident to your local police to obtain a crime reference number, and then please follow the steps below.

We are always looking to make the customer experience better, and are currently developing an improved account area. Please follow the instructions for the relevant style for your account, which is shown in the pictures.

New style account:

Step 1 – Sign in

Sign into your account, using the ‘My Account’ button located at the top of the Bikmo Homepage.

If, like most of us, you have trouble remembering your login details, you can simply click ‘Forgot your password?’ which will then allow you to create your own unique and memorable password.

Step 2 – Locate the 'Policies' section

Your policies are show here, including their current status. Choose the policy that you are wanting to make a claim from and click 'Manage policy'.

This will take you into that specific policy where, in addition to being able to access more detail and policy documents, you will be presented with various options for making changes.

Step 3 - Add items to your 'Kit list'

Please add all individual items that you are claiming for, adding a photo to clearly show the make and model for evidence of ownership, showing the damage too for accidental damage claims. This list will be presented to you in the claim form process, allowing you to select the items that are relevant to the claim.

Beneath the policy details, click on the 'Edit your kit list' link. Any bikes or items of kit that you've already listed will now be shown.

To add a new item:

• Click the orange button 'Add an item of kit'
• Enter the make and model
• Enter the year of manufacture
• Add notes if required, such as frame number or any special detail
• Upload an image of your kit by clicking 'Choose file' and selecting your saved image
• Click 'Add to kit list'

If you would like to amend your listed items of kit at any time, simply click 'Edit' to make the changes or 'Remove'.

Step 4 - Complete the claim form

Beneath the policy details, click on the 'Make a claim' link. This will take you to your claims area, where all previous claims and their status will be displayed.

• Click the orange 'Make a claim' button
• Click the relevant option for the nature of the claim
• Input the requested information on the claim form and submit once complete

You will receive an email to confirm that your claim form has been received and is being worked on.

Old style account:

Online System

• Sign in to into Your Account
• Locate the ‘Your Claims’ module and click ‘Start a new claim’
• Fill in your claim details
• Review the information and terms and conditions, then click ‘Submit’

The claims system picks up on the items in your ‘Bike & Kit list’, so make sure it’s up to date, with the items that you are wishing to claim for individually listed. You can upload additional images, sketches and information in the form. If you don’t have the information up-to-date then it’ll take longer to fill out your form, and may mean the claims handling process takes longer.

Once your claim has been submitted, you will be informed via email as to the outcome of your claim, or contacted if any further information is required.

Manual System

• Call the Bikmo Claims Team on 01244 470 337
• Download the Claim Form: Bikmo Claim Form Download
• Complete and sign the claim form, returning it to the following address with all the information requested from you (see the guidance notes attached to the claim form).

Bikmo Claims, 7 Abbey Square, Chester. CH1 2HU.

Public Liability:

For policies where Public liability cover is shown on your Policy schedule:

If you’re involved in an incident as a direct result of your ownership or use of your bike, and believe that a claim may be made against you for injuring someone or damaging their property, then please follow the steps below;

• Do not admit liability, make a settlement offer or say anything which may prejudice our ability to defend your claim.
• Contact Hiscox Insurance for advice as soon as possible on 0113 205 1072 (9am – 5:30pm Monday to Friday) or email hicliability.claims@hiscox.com
• Complete our Public Liability Report Form: Public Liability Form Download
• Email the completed form to: hicliability.claims@hiscox.com

Important Notes

• Attach with the Public Liability form any correspondence received from the party who is claiming against you, together with other documents, photographs or information which will help to defend the claim.
• Even when, after you have been involved in an accident, no claim against you has been intimated, but where you suspect that this is likely to happen, you should take the precaution of completing and submitting a Public Liability Report Form. Depending on the circumstances, claimants may have several years to bring their claim against you. The longer you leave completing the form, the more likely you are to forget details of what happened.
• It is extremely important for you to notify us as soon as possible of any actual claim or any possible claim for compensation which has been or may be made against you as a result of a cycling accident.

Personal Accident:

For policies where Personal accident cover is shown on your Policy schedule:

If you’ve been seriously injured as a result of an accident involving the use of your bicycle and wish to claim under the Personal Accident section of your policy then please take the following steps;

• Notify Van Ameyde & Wallis Ltd on 020 8466 6034

You’ll be required to describe the event that caused the injury and the nature of the injury. The team at Van Ameyde & Wallis Ltd will take you through the whole process.

Emergency Hire:
If your bike is damaged or stolen, and you have an event or holiday in the near future which would not allow time to provide a replacement, then you’re entitled to hire a replacement bicycle of a similar specification to the value of £500. Please take the following steps;

• Wherever possible, notify Bikmo on 01244 470 337 before hiring a replacement bike, or within 48 hours of the incident if circumstances prevent you from doing so, to log the claim and get approval that the hire charges can be covered
• Hire your similar spec replacement bike from a cycle provider and make sure you get a receipt
• Complete our online Claims Form and submit within 28 days of the damage or theft of your bike
• The hire charge will be refunded to your specified bank account within 28 days from approval of the claim

Please note: In certain circumstances, unless you get prior approval before you hire a replacement cycle then the hire charges may not be covered.

Returning Home Cover:
If your bike is stolen or damaged and you can’t repair your bike to continue with your ride, then take the following steps;

• Wherever possible, notify Bikmo on 01244 470 337 before incurring transport charges, or within 48 hours of the incident if circumstances prevent you from doing so, to log the claim and get approval that the charges can be covered.
• Source transport back to the nearest location from which you can continue your journey (listed below) and make sure to get a receipt.
• Complete our online Claims Form and submit within 28 days of the incident.
• The transport charge will be refunded to your specified bank account within 28 days from approval of the claim.

Important Information
Provided your claim is approved, we will cover transport up to the value of £150 to;

• The nearest suitable bike shop OR
• The most appropriate train station OR
• Your vehicle if nearer OR
• Home, if it’s nearer than the above.

Please note: In certain circumstances, unless you get prior approval before you incur transport charges, they may not be covered.

Legal Expenses Cover:

As part of your Bikmo cycle insurance benefits, you have an additional policy, provided and underwritten by ARAG, for £100k cover for legal costs associated with claiming against a driver or third party responsible for an accident while you're riding your bike. 

This could include help to get compensation for your injuries and any associated/uninsured losses.

For example, you have a legal right to claim back;

• the excess that you have to pay under your Bikmo cycle insurance policy;
• the cost of public transport or other reasonable alternative travel expenses that you have to pay until your cycle is replaced or repaired;
• the costs of rehabilitation;
• loss of earnings/loss of income

As the Bikmo CX team receive your Bikmo cycle policy claim, they will identify potential claims where a third party may be at fault, and which also includes personal injury.

Bikmo will forward your details to Serious Law, who will then contact you directly to offer their expert advice and support in making a claim against the third party for uninsured losses.

You also have access to free legal advice as part of the policy. Legal advice is available 24 hours a day, 365 days a year by telephoning Serious Law - 0344 571 7977.

If you have any questions about making a claim that aren’t covered here, or would like any advice or clarification about your circumstances, please just get in touch with the Bikmo team:

• If you’d like to call then please use 01244 470337 between 8am - 6pm (Mon - Fri)
• or email us at hello@bikmo.com whenever suits you
• Alternatively, you can use the Contact Us link on the website