Bikmo Reviews 

**Critical Review of Hiscox and Bikmo Bicycle Insurance Services:**

I insured my mountain bike with Bikmo and Hiscox, but my experience with their services has been extremely disappointing. In May, my bike was stolen from my building's bike room. It was secured with a Bikmo-approved lock and chain, but the thief managed to either pick the lock or use an angle grinder to cut through the bike, leaving the lock intact. I reported the theft to the police immediately and also informed Bikmo/Hiscox.

Despite following all the required procedures, my claim was rejected. The police informed me that thefts like this are common and that the bike could have been sold for parts. The third-party investigator from Crawfords asked me irrelevant questions, like why I didn't ask all my neighbors if they saw anything. It's ridiculous to expect customers to act like detectives in such situations. I had already done everything I was supposed to do—using an approved lock, reporting the theft to the police, and filing the claim promptly.

The insurers denied my claim, stating they couldn't prove I locked the bike properly. How am I supposed to prove that? Should I have taken photos every time I locked my bike? After my claim was rejected in July, I filed a complaint, but it took them until September to respond, and they didn't uphold my complaint.

I've continued to pay for their so-called insurance service, but I’ve lost both the cost of my bike and the premiums I've paid. Now I'm left with an intact approved lock but no bike and a complete distrust of bike insurance companies. The whole process was lengthy, frustrating, and ultimately pointless.

When you first buy the policy, everything seems smooth, but if you’re unlucky enough to need to file a claim, you’re in for a lengthy and painful process, only to end up with no coverage. Moreover, even though you buy your insurance from Bikmo, you end up dealing with Hiscox and Crawfords, repeatedly sending the same information, pictures, and receipts. This kind of customer service is unacceptable.

I strongly advise against purchasing bike insurance from Bikmo or Hiscox, and I would stay away from any services involving Crawfords. They make the claims process unnecessarily complicated and ultimately do not provide the coverage they promise.

After our bike got stolen under our eyes, we claimed to bikmo. As long you are able to provide all the details and receipts you have, the process is definitely smooth!
They had a quite long backlog this summer, so it too in total a month, from the claim request to payout.
Thanks a lot to Jess, Tom, Jonny and Steve.

Amazing service having had my e-bike stolen. The bikmo team were absolute class in terms of communication and making the claim process so simple. The claim was processed quickly and I can now move forward with a replacement.

Excellent service. Thank you Bikmo!

I have had to have 2 claims unfortunately with Bikmo. One for a damaged bike and one for a stolen bike. They paid both out with no issues. Was worried about not having receipts but sent pictures with my driving licence and this was ok. Many thanks Bikmo will be with you for as long as I have my bikes

Hi, I don't usually go to the effort od commenting or reviewing however in this instance I feel it important to commend the team that I dealt with at Bikmo. The service provided was straightforward, fuss-free, professional and prompt. I would say that to this type of insurance may be a luxury and seem quite expensive, however I can safely say I was really impressed and can highly recommend.

I have been with Bikmo insurance for a few years now but had to make a claim for the first time for the bike after I had a crash. Everyone from their team was really helpful and they responded quickly. I can’t recommend them enough!

Good morning everyone, I would not recommend this insurer because in order to pay you it takes a long time to answer the phone, you have to spend more than three days calling every day and for them to answer your email it takes between four and a week and when they manage to answer you They're lying, it's not safe, you can imagine, in case you have a problem, I don't think they're going to solve it if they solve it, and if they solve it, I don't think it will be that fast, be careful, my experience is being very bad.

 the guys at Bikmo are fantastic very helpful and gave me a super service

The best insurance 'experience' I have had. Bikmo made a clear requests for the details required and followed up quickly once I provided them. Comms were good at each stage, they listened to my requests, and I had an identical replacement bike within 3 weeks of the theft (it took over a week to get police details). I delat with 3 different people, but they all had a clear understanding of the case and progress.

After mybike stolen awfully on my eyes in minutes despite locked it .it was very stresfull and big lost for me economically which I coud not afford to replacing it .But Bikmo team never left me alone at this diffuclt time since i applied for my claim .i cant thank them enough they make me feelt less stressed and solving my claim smoothly .Deepest gratitude to Bikmo and the team helping and informing me efficiently .

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!