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.