Bikmo Avis 434

Good to be going with bikmo

Best price I could find and free shipping

Had a 69.99 year insurance policy . Had my front tyre slashed with a Stanley blade (blade was on the floor) supplied the correct evidence and they said it doesn't cover . Requested to cancel policy over two weeks ago and they haven't replied.

No feedback after my bikes was stolen for five weeks. I‘m without a bike in the middle of summer now. Even after multiple phone calls i have no idea about the current status.

Do not waste your money! just put them into a saving account instead!. Bikmo does not deal with your insurance anyway when it comes to claim a stolen bike, Hiscox does!. While I understand that my bike wasn’t locked to a strong structure as per policy, there was simply no viable alternative. Given the circumstances, I believe the rejection is unfair, especially as a loyal customer who has always complied with their requirements. What is the point to pay an insurance then? DO NOT WASTE YOUR MONEY they are useless

EDIT: Update: finally paid out and money hit my account on 26th June, 46 days post claiming. Boy was this slow, but they did paid out. But they haven’t responded to my complaint after 3 weeks.

I insured my bike through Bikmo (underwritten by Hiscox), expecting a smooth process should the worst happen. Unfortunately, when my bicycle was stolen, the claims experience fell far short of what I was led to expect.

I submitted my claim on 11th May 2025, providing all requested documents and information promptly — often on the same day. Despite this, it has now been over six weeks and my straightforward theft claim is still unresolved.

Much of the delay seems to stem from a convoluted handoff between Bikmo, Hiscox, and their appointed loss adjusters, Crawfords. I was subjected to a detailed interview and a lengthy questionnaire — something that felt excessive for a basic theft case. Even after Crawfords recommended settlement on 29th May, the delays continued. A simple error in bike sizing slowed things further, and since 9th June I’ve received no further updates despite confirming all outstanding details.

This process has left me without a bicycle for commuting and incurred extra expenses — including continued premiums on a policy for an item I no longer possess. It’s hard not to feel forgotten and inconvenienced.

Bikmo talks about quick and efficient claims. In my experience, it’s been the opposite: slow, overly bureaucratic, and lacking basic communication. I’m giving 2.5 stars because the initial setup and coverage were fair, and a resolution may still come — but the claims handling process needs serious improvement.

I have submitted a formal complaint about the serious length of wasted time, and am awaiting a formal response. Will update here when I get it.

After a pretty awful crash in a Crit, I completely wrote off my bike. Despite only having my policy for a couple of months, Tom and the team at Bikmo were really helpful and I was covered for a replacement through my insurance. I did have to go through Hiscox and the Loss Adjusters, which I thought might be an issue reading some comments on here, but my worries were completely unfounded, and everything went through fine after a short teams call with Crawfords. All in all I'm delighted with the service I received at Bikmo, Hiscox & Crawfords and I would definitely recommend their cover.

Easy to deal with.

Easy to use website. Easy to understand quotes.

Very easy forms to fill online clear and easy to understand and straightforward

Where to start with this absolute shambles of a company.

Sadly our garage was broken into and a number of things taken including our mountain bike that my wife uses for commuting

We are now nearly 3 weeks since this happened and guess what this abysmal company have done. Apart from list of excuses. Nothing

First it was because of bank holiday (sorry my thieves chose bank holiday weekend. I know this was inconvenient for BIKMO)

Then staff shortages
Then staff training
Then 40 claims in front of mine

Then after all of that. They told me they haven’t even looked at our claim for 7 days. And now it will be urgently looked into and we will receive an email that day.

Guess what. No email.

Phoned again. Said claim has been submitted and will get a decision same day. I’m sure you can guess where this is going.

The phoned up again and they told us well we do work till 5pm. So we do have till 5pm. 5pm comes and well I don’t need to fill you in with the rest of the shambles.

We are fortunate enough to have a very large social media following and presence through my wife’s work. So my mission this evening is to make sure the word is well and truly spread about bikmo

And if I can make sure just 1 customer does not spend there hard earned money with this absolute joke of a company. Then that’s good for me.

Very good website easy to use

Excellent Customer service and care.
Nice team. Thanks

Really easy to renew online from the free insurance to the policy. Made a call to them with a query, customer service was great, really helpful people who work there.

Could not recommend Bikmo highly enough, Aaron specifically worked on our case following a break in and was brilliant.
He took the time to explain the process, kept us updated regularly and the process was resolved swiftly.
Recommend to anyone.

Bike and bike box were damaged returning from a holiday. Airline was terrible to deal with and offered a paltry sum to cover the damage. All the team at Bikmo were knowledgeable, a pleasure to talk with and made the whole process quick and easy. Thanks Annabel Tom, Jonny and Tom again.

Bikmo is just a front for a traditional insurance provider who know nothing about cycling, the needs of cyclists, or bikes.
They may look like a friendly alternative to the likes of Laka, but Bikmo don't really do anything; just hand your claims off to a loss adjusters. I had to sit through an hour long zoom call to give a full interview as if I was on trial, and have been asked to follow up with screenshots of call logs and private messages about my incident, invasive information about past insurance policies, and so much more. I don't expect this claim to ever be settled.
Really poor user experience; would suggest looking elsewhere.

I had a flawless experience claiming with Bikmo - once I provided the provided the information and documents, payment was swift. They even adjusted the settlement amount upwards because the replacement price went up during the process.