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.

• Accidental Damage, Theft and Vandalism
• Race Fees
• Alternative Cycle Hire
• Returning Home 
• Legal Expenses Cover 
• Public Liability
• Personal Accident

We have a simple 3 step online claim process, which is available via your online Bikmo account and detailed below.

Accidental Damage, Theft and Vandalism:

For accidental damage claims for your cycle, accessories and clothing, please gather evidence for each of the items you are needing to claim for, such as;

• evidence of ownership for all items
• evidence/photos of damage

and then follow the 3 steps below.

If your bike or accessories are stolen or vandalised, please report the incident to your local police to obtain a crime reference number, gather evidence for each of the items you are needing to claim for, such as;

• evidence of ownership for all items
• evidence – including the key - of the approved lock for your cycle
• evidence/photo of your remaining lock key 

and then follow the 3 steps below for completing our online claim form.

Race Fees:

If you are unable to attend a competitive event for a reason that is entirely beyond your control, and the fee you have paid is non-refundable, you are entitled to claim for up to £1000* in a period of insurance.

We will need the following details:

• Event name
• Event date
• Date of entry
• Confirmation of event entry
• Confirmation of event entry fee paid
• Reason for being unable to attend
• Confirmation of event entry being non-refundable

Please gather the required evidence for the event you are needing to claim for, and then follow the 3 steps below for completing our online claim form.

*This cover was not included for GO or PLUS policies purchased before 01/05/2020. Your cover level will be shown on your policy schedule.

 
Alternative Cycle Hire:

If your bike is damaged or stolen, and you have an event or holiday in the near future which would not allow time for us to provide a settlement, then you’re entitled to hire a replacement bicycle of a similar specification up 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 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 gather the required evidence, and then follow the 3 steps below for completing our online claim form.

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

Returning Home:

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 gather the required evidence, and then follow the 3 steps below for completing our online claim form.

Please note: In certain circumstances, unless you get prior approval before you incur returning home 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 Injury Law Limited, 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 Injury Law Limited - 0344 571 7977.

Please gather the required evidence, and then follow the 3 steps below for completing our online claim form.

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 UK Limited on 020 8315 0732

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

How to make an online claim:

Step 1 - Log in

Sign into your account, using the ‘LOG IN’ button located at the top right 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 your 'Policies' section

When you log in, you'll arrive at your Dashboard. Your policies are show here, including their current status. Choose the 'Active' 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 policy details and your policy documents, you will be presented with various options for making changes.

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. Depending on your claim form, this list will be presented to you in the claim form process, allowing you to select the items that are relevant to the claim. If not, you can add the items as uploads within the form.

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, just follow the instructions presented.

Step 3 - Complete your online claim form

Beneath the policy details, click on the 'MAKE A CLAIM' link. This will take you to 'Your Claims', where you'll be able to access the claims form by clicking the relevant button shown.

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 Claim Process:

If you're not able to access your online account for any reason, you are able to make a manual claim following the process below: 

1. Call the Bikmo Claims Team on 01244 470 337 to report your claim
2. Download the Claim Form: Bikmo Claim Form Download

3. Complete and sign the claim form, gathering all evidence to support your claim, including but not limited to;

   • • evidence of ownership for all items
     • evidence/photos of damage
     • crime reference number for theft claims
     • evidence – including the key - of the approved lock for your cycle
     • evidence/photo of your remaining lock key
4. Either scan and email to hello@bikmo.com or post it to the following address with all the information and evidence required from you.

Bikmo Claims 
1 Minerva Court
Minerva Avenue
Chester
CH1 4QT

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 9am - 5pm (Mon - Fri)
• or email us at hello@bikmo.com whenever suits you
• Alternatively, you can use the Contact Us link on the website