As a partner of Saddle Skedaddle, Bikmo provides specialist cover designed by cyclists, for cyclists. Whether you’re navigating a remote gravel trail in Spain’s Extremadura or commuting on your e-bike in the UK, here is a guide to why specialist insurance matters and how to prepare for your next adventure.
Pre-Holiday Checklist: Before You Go
Heading off on a Skedaddle tour? Use this checklist to ensure you’re fully protected:
✅ Check Your Lock: Most insurance providers insist you use a lock that meets the Sold Secure rating required for your bike’s value (typically “Gold” or “Diamond”).
✅ Evidence of Ownership: Take a photo of your bike and keep a digital copy of your receipt.
✅ Service Your Steed: Book a professional service at least two weeks before departure to catch any mechanical issues.
✅ Airline Prep: If flying, try and use a dedicated bike box. Bikmo covers your bike in transit, but a good box prevents the “vacation-ending” snapped hanger.
✅ Note Your Frame Number: Essential for police reports and claims if the worst happens.
The Basics: Choosing Your Policy
When selecting a policy for your Skedaddle trip, consider these four pillars:
1. The E-Bike Advantage
E-bikes are the future of touring, but they require specific care.
- 25% Lower Premiums: Because Bikmo has found e-bike riders are statistically lower-risk, Bikmo offers a significant discount for electric-assist bikes.
- Electronic Component Cover: Bikmo’s PLUS policy includes protection for the “brains” of the bike – the motor and battery – against accidental damage and theft.
2. Home vs. Specialist Insurance
Ask yourself: Does my home insurance cover me if I crash while riding? Most don’t. Bikmo covers accidental damage, which accounts for nearly 40% of their claims.
3. Multi-Bike Discounts
If you have a “stable” of bikes, Bikmo offers up to a 50% discount for additional bikes on the same policy.
4. Travel vs. Cycle Insurance
Remember that Cycle Insurance covers your bike and kit, while Travel Insurance can cover you (medical, repatriation, and cancellations). For a Skedaddle trip, travel insurance is a condition of your booking. Ideally you want both travel and cycle insurance.
Saddle Skedaddle customers save 5%* on Bikmo Cycle policies and 10% on Travel policies!
What Makes Bikmo a Cycle Specialist?
Unlike standard home insurance, which often treats a bike as a piece of “furniture” with low value limits, Bikmo understands that your bike is a high-performance machine.
- No Depreciation (New-for-Old): If your 5-year-old bike is stolen or totaled, Bikmo covers the cost of its “as new” value – providing you insure it for that much! They don’t deduct the value for age.
- Worldwide Coverage: Your policy covers you 365 days a year, anywhere in the world – including damage caused by airlines during transit.
- Designed by Riders: The claims team consists of cyclists who know the difference between a derailleur and a down tube.
- Clothing & Accessories Included: Helmets, GPS computers, and kit are covered as standard, recognizing that your gear can often be worth as much as the bike itself.
Values: B Corp and 1% For The Planet
Bikmo isn’t just about protecting bikes; it’s about protecting the places we ride.
- Certified B Corp: Bikmo meets the highest verified standards of social and environmental performance, transparency, and accountability. They balance profit with purpose, focusing on their impact on employees, customers, and the community.
- 1% For The Planet: Bikmo commits 1% of its total annual revenue (not just profit) to environmental non-profits. This supports organizations like World Bicycle Relief and Trash Free Trails, ensuring that every policy sold contributes to a healthier planet and a more accessible cycling world.
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