Legal Expenses Cover & Eligibility

Available for UK residents only (Channel Islands and Isle of Man residents are not eligible for cover)

As part of your Bikmo cycle insurance benefits, you have an additional policy 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

You also have access to free legal advice as part of the policy.

Who provides the cover and support?

This policy is provided and underwritten by ARAG, a leading legal expenses provider offering an extensive range of legal insurance and assistance products and services through their solicitor, insurer and broker partners.

Serious Injury Law Limited are a law firm who specialise in serious injury cases, one of which is cycling accident claims. They’ve worked on hundreds of No Win No Fee cases involving cyclists and they’ve achieved many successful multi-million pound serious injury compensation awards. Several of their solicitors are cyclists, so they understand the challenges that cyclists face and relate to their clients’ accident circumstances.

Their advice covers personal cycling-related legal matters within UK and EU law, other than advice relating to general pot hole matters, unless you were injured as a result of a pot hole accident.

Your query will be dealt with by a qualified specialist from Serious Injury Law Limited, who is experienced in handling legal matters.

Legal advice is available 24 hours a day, 365 days a year by telephoning Serious Injury Law Limited - 0344 571 7977.

How do I make a claim?

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.