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New for Old
Bikes can be priceless. You're covered for a replacement provided your sum insured is sufficient to cover the cost of a replacement bike at today's prices. There is no time limit on the age of bikes that can be insured.
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Excess Free
Don't like paying an excess on claims? Bikmo can replace your bike from a local retailer and won't charge you any excess. This is limited to cycle claims above £1,000 - all other claims are subject to a £100 excess.
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Family & Friends
If your friend or family need to borrow a bike for the weekend then they'll still be covered under your insurance, to the value of the maximum equipment away from home. This only applies to bikes and kit, not personal accident or third party liability
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Breakdown Cover
It happens to all of us. If you're on a ride and can't make it back to your car or home as a results of an issue with your bike then we'll pay for transport back to your car, home or the nearest transport link up to the value of £150.
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Multi-Bike
We know you can't ride all your bikes at once and taking out a policy on each of your bikes could be prohibitive. That's why we can offer up to a 50% discount for the bikes you leave at your house.
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Competition Cover
Compete regularly on the road, MTB or tri? You, your bikes and kit are covered before and after the start line in competition as long as your annual competition appearance fees don't exceed £5,000. That's most of us then.
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Worldwide Travel
Travel regularly with your bike for competitions or holidays? You can travel worry free with Bikmo+. You're covered year round for your equipment, anywhere in the world, whether in competitions, on a ride or during transportation.
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0% monthly payments
Pay for 12 months upfront and forget about it, or split the payments over 12 months, with 0% interest. There'll be an initial payment followed by rolling monthly payments. You're covered for as long as you pay your monthly installments and you won't pay any interest. Simple.
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£2m Public Liability
Rest assured you're covered for any damage or injury caused to third parties up to the value of £2 million when cycling anywhere in the world, excluding the USA and Canada.
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Theft, accidental & vandalism
Whether your bike is stolen, vandalised or you damage it whilst riding on the roads or trails, you're covered. Restrictions apply to locking requirements when your bike is left in a public place.
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£20k Personal Accident
You have Personal Accident cover up to the value of £20,000, anywhere in the world, for serious injuries sustained from riding your bike.
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Spares, Clothing & Bike Boxes
We know the value of the kit you ride or travel with, in addition to the value of your bikes. Whether it's lights, GPS, posh bib shorts, full face helmets or bike boxes, they can cost a lot to replace in the event they're damaged or stolen.
We include £250 or 10% (whichever is the greater) of your total sum insured for each of accessories & spares, clothing & headgear and bike boxes.
For a full definition of the additional equipment included in your policy, please refer to the Product Definitions section.
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Bikmo DNA+ Pack
To help you protect your bike, deter thieves and prove bike ownership in the event of theft, we're providing a Bikmo DNA+ kit worth £30 with every Bikmo Plus policy.
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Emergency Hire
Bike lost or damaged in transit on the way to an event you've been building up to for months? You'll be covered for a replacement bike and equipment to help you compete. Our partners at Bikmo can even help you source a replacement from a worldwide network of bike rental companies.
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Free Legal Advice
We all need it sometimes. If you're involved in an incident whether at fault or not then you can contact our partners at Bikmo who have arranged for Bikmo Plus policyholders to take advantage of free advice from Poole Alcock Solicitors.
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No Claims Discount
We like to reward customers who look after their bikes. Stay with Bikmo Plus and you can earn up to 20% no claims discount, making our policy more unbeatable.
