What accessories and clothing are covered? – How Can We Help?

Your British Cycling bike insurance policy includes cover for your cycle-specific clothing and accessories as standard, and the value of cover you have is dependant on your insured values.

For details of your exact levels of cover, please refer to your policy schedule within your Bikmo account, where they are clearly listed.

The following definitions are referred to throughout your policy documentation in relation to the types of equipment that are covered, and can be claimed for in the event of damage or loss, which occurs away from your home resulting directly from the use of your cycle.

Accessories

Accessories are defined as equipment attached to your cycle, which is your own property and that is not core to the operation of a bicycle, but perform a functional requirement in the pursuit of cycling.

From 20/12/2023, this also includes watches and other wearable activity trackers but only whilst being used to record cycling activity.

Accessories may be permanently or non-permanently affixed to the bicycle, and include the following;

Electronic

Cycle Computers
GPS and accessories (Please note: this does not include any smartphone or tablets devices used with navigation or tracking applications)
Watches and other wearable activity trackers
Heart Rate Monitors
Lights

Storage

Saddle bags
Pannier racks
Panniers
Handlebar bags
Frame bags
Baskets

Other

Mirrors
Bells & horns
Child seats
Child trailers
Bottles
Bottle Cages
Locks
Tools - multi tools / allen keys
Pumps
Equipment pouches

Clothing & Headgear

Cycling Shorts - bib, lycra, baggy
Tights - bib or non bib
Wetsuits / Tri Suits
Cycling trousers
Jerseys - short or long sleeved
Cycling shoes - clipped in or flat
Overshoes
Socks
Arm, leg and knee warmers
Jackets - softshell / waterproof / other
Gilets
Cycling caps
Helmets
Gloves - short finger or long finger
Knee & elbow pads
Masks
Goggles & Sunglasses
Neck braces
Hydration packs
Rucksacks

Cycle Boxes

A cycle/bike box includes any piece of luggage who's purpose is to specifically protect a bicycle whilst in transit. This can include fabric, semi rigid or fully rigid bike boxes.