Your comprehensive British Cycling bike insurance by 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.

• Property - Accidental Damage, Theft and Vandalism 
• Race Fees
• Alternative Cycle Hire
• Returning Home

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

Property - 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.

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 £500* 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.

*This cover is only included for PROTECT-R policies. 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 to provide a replacement, 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 470 551 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.

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 470 551 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.

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

Important

With all claims, if you delay reporting a claim to us without good reason, and that delay causes an adverse and prejudicial effect to us, then we may decline to accept your claim.

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.

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 button shown.

Once your claim has been submitted, you will be informed via email as to the outcome of your claim, or contacted by the claims team 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 470 551 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 britishcycling@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