Your RACE policy benefits

When you first took out your policy, you will have been able to select the level of cover you required, to best suit your specific cycling needs. 

Your policy wording contains the full details but, if you missed anything, here's a recap of the comprehensive cover your RACE policy provides:

• Cover for theft of and accidental damage or vandalism to your cycle anywhere in the world;
• Competition cover; for any road, circuit, MTB, triathlon, duathlon, track or TT racing (see below for full details).
• £250 or 10% cover for wearable activity trackers and accessories fixed to your cycle, other than mobile phones and PDAs;
• £250 or 10% cover for cycling specific clothing and headgear;
• £150 returning home cover for the necessary and reasonable costs that you incur to return directly to your home by a registered taxi or public transport following theft of or accidental damage to your cycle. This does not include repatriation;
• £500 or 10% of your policy value to cover your bike box;
• £500 towards the costs of hiring an alternative cycle following theft or accidental damage to your cycle;
• Up to £250k legal expenses cover;
• £1000 cover for a non-refundable event fee that you've already paid and you're no longer able to participate in;
• Worldwide cover, including during transit when you travel by aircraft or boat;
• Excess-free replacement option for claims over £400 in value, if you let us source the parts from your local bike shop; excess is £40 or 10% of claim value (whichever is greater) for all cash settlements;
• No depreciation on your bike's value, you will be covered up to your insured values;
• £20,000 Personal Accident cover in the event of your death or an accident resulting in an Accidental bodily injury;
• £5000 additional Personal accident cover for medical expenses related to an Accidental bodily injury;
• £2500 additional Personal accident cover for counselling expenses related to an Accidental bodily injury;
• £1000 additional Personal accident cover for dental expenses;
• £500 additional Personal accident cover for optical expenses;
• £2m Public Liability cover, for any claims made against you;
• Access to free legal advice;
• Family and friends cover;
• Commuting to and from your usual places of work.

Business Use

If you selected to include Business Use, and this is shown on your Policy schedule, then you are covered for using your bike to travel to appointments and meetings in relation to your work.

This does not provide cover for other trade or business purposes, deliveries, hire or reward, courier services, food delivery, or the carriage of fare-paying passengers.

Your RACE policy provides cover for all events, such as:

• Road racing
• Crit racing
• Circuit racing
• Triathlon
• Duathlon
• Sportives
• MTB XC
• Downhill
• Enduro
• BMX
• Gravel
• Track
• Cyclo-cross
• Time Trials
• Audax
• Ultra-distance 

Please see your Policy schedule and Policy wording for any exclusions related to the above levels of cover. These can be accessed from within your Bikmo account.

More helpful topics

RACE - Getting to know your policy
RACE - Making changes to your policy
RACE - Making a claim