Bikmo Opiniones 

I’ve been insuring my bikes through BIKMO since 2021. BIKMO is the only insurance company I’ve found that covers bikes during a triathlon—and at their current replacement value.
Unfortunately, my bike was damaged in the very first year. After filing a very straightforward claim, I quickly received assistance and confirmation that the costs would be covered. I highly recommend BIKMO :) Protect your bike from damage! :)

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Hard to tell, you only know if bike insurance is any good if something happens to your bike - - but it was a fair price with a good range of cover -

As everyone, im so sceptical when it comes to insurance.
Im so pleased to say bikmo insurance does exactly what it says on the tin!
I had a off, luckily not damaging the bike. It was only a week after i thought id inquire about replacing/claiming for my helmet id split.
I never keep reciepts for anything... i know stupid right.
But bikmo were happy enough that proof of ownership through pics of the helmet new vs split open would suffice for a payout.
Very smooth, nevery tried to wiggle out of it, just sorted it.
That for me is exactly how insurance should be. Honest and simple.
Cant fault them! Well done bikmo 👌👏
Get my reccomendation.

Better experience than I was expecting. Claim was processed quite quickly and was given credit to use at a decent bike dealer

What I thought would be a very torturous and drawn out experience, was actually, smooth and very easy. All of the team were super helpful with the claim ad offered a great service

Policenummer nicht auffindbar, anschließend keine Rückmeldung. Kein Rückruf, telefonisch nicht erreichbar, auch keine Antwort auf Mails. Werde den Schaden wohl selber bezahlen und die Versicherung kündigen.

This is something I really didn't want to have to do, theft is a horrible experience to go through, its hard not to feel that its personal. However, the process to make a claim was very simple, and straightforward. The communication was swift and again straightforward and the judgement decision came through very quickly. I'd urge everyone to takeout insurance and be covered.

I've insured my bicycles with Bikmo for a few years now. I'm jolly glad I did, because I recently had a close encounter with a deer on a steep hill in which I was knocked unconscious - helmet smashed to pieces, sunglasses smashed, cycling jersey shredded. Bicycle wasn't as badly damaged as I was, but the repairs still came to a good few hundred pounds.

Despite me not having receipts for all the items I claimed for Bikmo settled my claim in full, using the photographic evidence I supplied as proof of ownership. Thank you to Tom and the claims team, who kept me updated with what was happening, and liaised with my local bike shop who carried out the repairs. Five stars!

I received a renewal email on 30th May and clicked on the button to “Let us know if somethings changed”. I said I no longer had the bikes and requested the policy be cancelled. Today I’ve had an email saying I’m covered for another year so money has been taken from my account without permission.

I never needed to claim while insured but their admin is bad.

Slick marketing, but the underwriter will hunt for loopholes.

Do not be fooled by Bikmo’s cyclist-friendly ads. Their policies are underwritten by Hiscox, whose claims department will scour the small print to avoid paying out.

I had two cycles stolen while staying at a fully fenced, PIN-controlled caravan park. They were secured to a heavy-duty rack with top-tier locks. The underwriter formally admitted in writing that I met their strict locking requirements. However, they cherry-picked a different condition just to decline the claim.

Most absurdly, they seem to expect you to store your bikes inside your caravan while you are in it. Because, obviously, I should be taking my bikes for a nap on the sofa with me to keep them "safe."

They also argue a barrier-restricted caravan park doesn't count as a "secure" location if you are touring. If you are traveling, like me this specialist policy is entirely unfit for purpose.

My case is now with the Financial Ombudsman. Avoid BIKMO!!!

Their team is incredibly responsive, professional, and helpful.

Superb experience very highly recommend. Very quick to respond and action my claim. Replaced my bike and settled assessment expenses

Claim was straightforward and settled quickly, the only issue was finding contact details to get an update on progress and if any further information was required

So easy and reassuring did it before we left the shop in a few minutes

Helpful and fast

Überhaupt nicht zu empfehlen! Bearbeitungsdauer nicht wie angegeben ein paar Tage, sondern im Rahmen von Wochen. Telefonisch nicht zu erreichen und unklare Anweisungen welche dazu führen, dass man mehrere Kostenvoranschläge einholen muss. Mein Schaden läuft mittlerweile seit Mitte April und ist immer noch nicht reguliert.

Als ich zum Abschluss einer Police Fragen hatte, wurden diese innerhalb weniger Minuten beantwortet.
Nun habe ich einen Schadenfall, den ich melden möchte. Ich bekomme seit Ewigkeiten keinerlei Rückmeldung auf meine Mails. Auch telefonisch ist es unmöglich einen Mitarbeiter zu erreichen.
Absolut unseriöse Versicherung!

Seit Wochen keine Reaktion auf meine Schadensmeldung. Telefonische Erreichbarkeit nicht gegeben. Hotline seit Wochen nicht besetzt.
Besser hier keine Versicherung abschließen.

Terrible delays. Wanted proof of damage to my bike following an accident. I had not taken any photos but had taken the bike into Trek Bikes in Shrewsbury to be checked out by a very experienced mechanic. He assessed that that the Mahle motor had internal damage and needed to be replaced. Also the Sram electronic rear mech had been damaged and needed replacing. He provided a detailed cost of the work which amounted to 1200 pounds. I sent this off to Bikmo. That was not good enough for Bikmo and the the delay started. I desperately needed the bike so asked the mechanic to go ahead and get the bike roadworthy again. This he did and I paid Treks for the work and sent off the bill and photos of the repaired bike and the damaged components to Bikmo. After several weeks of waiting a company rep contacted Treks about the work. Finally, I received an offer. This was to receive a voucher for the full amount TO BE USED AT TREKS ONLY or to receive a cash sum MINUS 10% AMOUNTING TO 120 POUNDS. Like all experienced and knowledgeable cyclists, I use Tredz Bikes or Wiggle for all my purchases for bargain prices. I was therefore obliged to accept the cash offer. No reason was given for taking the 120 pounds into the company coffers. Needless to say I will no longer be subscribing to Bikmo for my insurance.