Bikmo Avis 434

Initially, Bikmo appeared to be the best option for bike insurance. The staff is super friendly and knowledgeable, which instills confidence. Unfortunately, the problems start when you need to file a claim. Bikmo is essentially a front for Hiscox, and dealing with claims reveals their true nature.

My bike was stolen by someone who removed the bike rack using specialized tools. Hiscox refused to pay the claim, arguing that the bike rack could be undone. Following that rationale, any bike rack can be undone with the right tools, making this excuse entirely unreasonable.

I had to appeal their decision four times. It was only when I threatened to go to the Financial Ombudsman that they accepted the claim. Even then, they tried to shortchange me by £500 less than the insured value. Once you have a claim, you deal directly with Hiscox, and the friendly customer service of Bikmo becomes a distant memory. Instead, be prepared to fight against the penny-pinching bureaucracy of Hiscox.

Despite eventually receiving payment, the process was long and stressful. I recommend looking for other insurance options. The ordeal with Bikmo and Hiscox was not worth the hassle.

Helpful on the phone, easy to deal with,

watch out - this company is insolvent - take a look at their accounts on Companies House

Amazing service and assistance received from this company throughout a claim when my very expensive carbon frame suffered a fracture due to a rock strike.

In particular Aaron, who was my point of contact during the claim, and my questions were always answered swiftly and professionally.

Customer for life!

Bikmo is affordable and the customer service is excellent. They are clear about their terms, there's no hidden gotcha fine print, and they're quick to process claims. Even when they deny a claim, they're very nice about it and give clear reasons about why. Would recommend!

My brompton completely died on me after the frame cracked. I called bikmo (who should be counselors!) they were so reassuring and Ryan shorted me out and got me back on the bike with a big smile on me and my mental health. They're just great to be with

Excellent and reliable insurance!

Strongly recommended for costly bike. It is important to use the type of lock they suggest for the bike value. I recommend also to take picture of serial number , receipts of bike and accessories, a picture of the bike where it is normally left .

Wish they did more than bike insurance because they are trustworthy and excellent

Excellent in handling claim and settle very quickly with payment in days. This is exactly what insurance should be! Definitely highly recommend!

Just as everyone else says, Hiscox will find any reason to reject your claim. Not worth it, look for alternate insurance companies would be my advise.

Great service , very helpful through the claim process. Highly recommend

Excellent service and communication. They helped me get all the information together to make the claim and it was processed with no fuss.

I had an unfortunate accident on the bicycle and needed to use my insurance to be able to fix it.
Opening the case and dealing with the Bikmo team was very easy. They were very responsive and gave me advise at all times.
I am very happy with the outcome
I definitely recommend getting your bike insurance with Bikmo.

Had to make a number of claims in the last few years - stolen handlebars, vandalism and now most recently a theft.

All the people who worked with me to do my claim were really helpful and nice. You can tell they are all passionate about bikes and cycling as well - which always helps!

Thanks so much Bikmo!

I got some accidental but expensive damage on my mountain bike. The whole process for going through my claim to my settlement was professional , friendly and stress free. Glad I had the insurance. I’m back on a repaired bike and riding again.

Bikemo staff were really helpful with the accidental damage claim I submitted after my son was knocked off my bike.

I claimed for accidental damage caused by a carbon frame failure/off road low speed crash. The frame was replaced under the guarantee but there where labour charges and other parts needed replacing. Bikmo dealt with the claim efficiently and I have no complaints.

They do not pay out on the theft of a bicycle. They lead you to believe that you are covered, take your money, however when something happens they refuse to pay out even when the conditions of the policy are met. BE VERY CAREFUL, Don’t waste your money.

I had the battery stolen off my electric bike and, after reporting it to Bikmo, I've been incredibly impressed with their fast response. Communication was great throughout, and it really felt like their customer service advisors were doing all they could to speed up the process - special mention to Tom Johnson for all his help and friendly chat. Have already recommended Bikmo to friends with bikes and will continue to do so.

Great service.

Had to make a couple minor claims and they were handled quickly and had a positive outcome.

Highly recommended!