Your policy information

All you need to know about your Bikmo Travel Insurance policy and Optional Gadget Cover policy.

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Our travel policies

With 3 levels of travel cover to choose from, and some optional extras, your single trip or an annual multi-trip policy will give you the peace of mind to enjoy your adventure.

Whether travelling alone or with the family, in the UK, Europe or Worldwide, you can choose the level of activity cover you need to meet your holiday travel insurance requirements.

Premier Plus

Our highest level cover for explorers wanting the best of everything.

Emergency Medical and Repatriation Expenses
Benefit - £10m
Excess - £100

Cancellation and Curtailment
Benefit - £5,000
Excess - £100

Personal Possessions and Baggage
Benefit - £2,000
Excess - £100

Emergency Dental Treatment
Benefit - £500
Excess - £100

Hospital Benefit
Benefit - £500
Excess - Nil

Personal Possessions and Baggage (Single Item Limit)
Benefit - £300
Excess - £100

Valuables Limit
Benefit - £300
Excess - £100

Delayed Baggage
Benefit - £100
Excess - Nil

Cash Limit
Benefit - £200
Excess - £100

Travel Delay
Benefit - £100
Excess - Nil

Loss of Passport
Benefit - £250
Excess - £100

Missed Departure
Benefit - £1,000
Excess - £100

Permanent Total Disablement
Benefit - £25,000
Excess - Nil

Loss of Limb(s) / Eye(s)
Benefit - £25,000
Excess - Nil

Death
Benefit - £25,000
Excess - Nil

Personal Liability
Benefit - £2m
Excess - £200

Legal Expenses
Benefit - £25,000
Excess - £100

Extended Travel Delay
Benefit - £1,000
Excess - £100

Public Transport
Benefit - £100
Excess - Nil

Replacement Accommodation
Benefit - £1,000
Excess - £100

Ski Equipment (Owned)
Benefit - £1,000
Excess - £100

Ski Equipment (Single Item Limit)
Benefit - £500
Excess - Nil

Ski Equipment (Hired)
Benefit - £300
Excess - £100

Ski Hire
Benefit - £200
Excess - Nil

Ski Pass
Benefit - £300
Excess - Nil

Piste Closure
Benefit - £200
Excess - Nil

Avalanche or Landslide
Benefit - £250
Excess - Nil

Premier

Cover for adventurers needing that little bit extra.

Emergency Medical and Repatriation Expenses
Benefit - £5m
Excess - £110

Cancellation and Curtailment
Benefit - £2,000
Excess - £110

Personal Possessions and Baggage
Benefit - £1,000
Excess - £110

Emergency Dental Treatment
Benefit - £250
Excess - £110

Hospital Benefit
Benefit - £500
Excess - Nil

Personal Possessions and Baggage (Single Item Limit)
Benefit - £150
Excess - £110

Valuables Limit
Benefit - £150
Excess - £110

Delayed Baggage
Benefit - £100
Excess - Nil

Cash Limit
Benefit - £100
Excess - £110

Travel Delay
Benefit - £100
Excess - Nil

Loss of Passport
Benefit - £150
Excess - £110

Missed Departure
Benefit - £750
Excess - £110

Permanent Total Disablement
Benefit - £10,000
Excess - Nil

Loss of Limb(s) / Eye(s)
Benefit - £10,000
Excess - Nil

Death
Benefit - £10,000
Excess - Nil

Personal Liability
Benefit - £2m
Excess - £200

Legal Expenses
Benefit - £25,000
Excess - £110

Extended Travel Delay
Benefit - £1,000
Excess - £110

Public Transport
Benefit - £100
Excess - Nil

Replacement Accommodation
Benefit - £1,000
Excess - £110

Ski Equipment (Owned)
Benefit - £500
Excess - £110

Ski Equipment (Single Item Limit)
Benefit - £250
Excess - Nil

Ski Equipment (Hired)
Benefit - £250
Excess - £110

Ski Hire
Benefit - £200
Excess - Nil

Ski Pass
Benefit - £300
Excess - Nil

Piste Closure
Benefit - £200
Excess - Nil

Avalanche or Landslide
Benefit - £250
Excess - Nil

Standard

For those travellers who need all the basics covered.

Emergency Medical and Repatriation Expenses
Benefit - £3m
Excess - £130

Cancellation and Curtailment
Benefit - £1,000
Excess - £130

Personal Possessions and Baggage
Benefit - £750
Excess - £130

Emergency Dental Treatment
Benefit - £250
Excess - £130

Hospital Benefit
Benefit - £500
Excess - Nil

Personal Possessions and Baggage (Single Item Limit)
Benefit - £100
Excess - £130

Valuables Limit
Benefit - £100
Excess - £130

Delayed Baggage
Benefit - £100
Excess - Nil

Cash Limit
Benefit - £100
Excess - £130

Travel Delay
Benefit - £100
Excess - Nil

Loss of Passport
Benefit - £150
Excess - £130

Missed Departure
Benefit - £500
Excess - £130

Permanent Total Disablement
Benefit - £10,000
Excess - Nil

Loss of Limb(s) / Eye(s)
Benefit - £10,000
Excess - Nil

Death
Benefit - £10,000
Excess - Nil

Personal Liability
Benefit - £1m
Excess - £200

Legal Expenses
Benefit - £25,000
Excess - £130

Extended Travel Delay
Benefit - £1,000
Excess - £130

Public Transport
Benefit - £100
Excess - Nil

Replacement Accommodation
Benefit - £1,000
Excess - £130

Ski Equipment (Owned)
Benefit - £500
Excess - £130

Ski Equipment (Single Item Limit)
Benefit - £250
Excess - Nil

Ski Equipment (Hired)
Benefit - £250
Excess - £130

Ski Hire
Benefit - £200
Excess - Nil

Ski Pass
Benefit - £300
Excess - Nil

Piste Closure
Benefit - £200
Excess - Nil

Avalanche or Landslide
Benefit - £250
Excess - Nil


Activities covered

We include many activities (all category A) as standard, but appreciate that there are those out there who get great pleasure in something a little more risky. That’s not a problem, if you’re wanting cover for any activity in category B, C or D, you can add on Special Sports Cover for those.

Cycling activities:

ActivityCategoryConditions
CyclingAExcluding competition/racing and Mountain Biking (see Mountain Biking below). No Personal Liability cover
Cycle TouringAExcluding competition/racing and Mountain Biking (see Mountain Biking below). No Personal Liability cover
Mountain Biking CExcluding competition/racing
Triathlon (Road bike)B

All activities A-Z:

ActivityCategoryConditions
AbseilingC
AerobicsA
ArcheryA
BadmintonA
BasketballA
BowlsA
Bungee JumpBNo Personal Accident cover
Camel/Elephant RidingB
CamogieB
CanyoningD
CricketA
CyclingAExcluding competition/racing and Mountain Biking (see Mountain Biking below). No Personal Liability cover
Cycle TouringAExcluding competition/racing and Mountain Biking (see Mountain Biking below). No Personal Liability cover
Deep Sea FishingB
Dog SledgingB
Dry Slope SkiingC
Fell Walking, Rambling & TrekkingAUp to 2,000 metres altitude
FishingA
FootballA
Go KartingBUp to 120cc. No Personal Liability cover
GolfA
GymnasticsB
Hang GlidingD
HikingAUp to 2,000 metres altitude
HikingBBetween 2,000 and 6,000 metres altitude
HockeyB
Horse Riding - within tour organiser's guidelines and safety helmet worn at all timesDNo Polo, Hunting, Jumping or Racing
Hot Air BallooningBAs a passenger only
Hydro ZorbingB
HurlingB
Ice HockeyD
Ice-SkatingARink only
Land YachtingD
Martial ArtsBTraining only
MotorcyclingBOver 50cc and under 250 cc - no racing as a rider or passenger when wearing a helmet provided the rider holds an appropriate UK motorcycle licence to ride the motorcycle. No Personal Liability cover
Mountain BikingCExcluding competition/racing
ParachutingDTandem only – no cover for solo
ParaglidingC
ParasailingC
ParascendingCNo Personal Liability cover
Racket BallA
Rafting, Canoeing and KayakingBIncluding white water up to grade 3. No Personal Liability cover
Rafting, Canoeing and KayakingCIncluding white water up to grade 4. No Personal Liability cover
Rafting, Canoeing and KayakingANo white water
RamblingA
Roller SkatingA
RoundersA
RugbyB
SafariBNot involving use of firearms (not walking safari)
Sand BoardingC
Sand YachtingC
Scuba DivingATo a depth of 18 metres
Scuba DivingDDepth of between 18 and 30 metres if BSAC, PADI, DIWA, SSI or SAA member
Sea CanoeingB
Show JumpingD
SkateboardingA
Snooker, Pool and BilliardsA
SnorkellingA
SquashA
SurfingANo Personal Liability cover
SwimmingAMust be undertaken in a pool, inland waters or coastal waters within a 12 mile limit from land
Table TennisA
TennisA
TrekkingBBetween 2,000 and 6,000 metres altitude
Triathlon (Road bike)B
VolleyballA
Water PoloA
Water SkiingAMust be inland waters or coastal waters within a 12 mile limit from land. No Personal Liability cover
WindsurfingAMust be inland waters or coastal waters within a 12 mile limit from land. No Personal Liability cover
Work AbroadDNo Personal Liability or Personal Accident cover. Manual work will be ground level only and involving no wild animals or no machinery
Yachting, Boating, Sailing and RowingAMust be inland waters or coastal waters within a 12 mile limit from land. No Personal Liability cover

Optional Winter Sports Cover

If it’s the snow sports that you’re travelling in search of, you’ll need to add on the extra cover for these. All below activities are included as standard with the Optional Winter Sports Cover package:

Cat skiing (with guides)
Cross country skiing
Glacier skiing
Ice hockey
Langlauf (cross country skiing)
Monoskiing (not for time trials/speed skiing or racing)
Skiing on piste
Skiing or snowboarding off piste (within local ski patrol guidelines)

Sledging/tobogganing
Snow blading (no jumping tricks)
Snow bobbing
Snow scooting
Snow shoe walking
Snow shoeing
Snow tubing
Snow boarding on piste

 

The following activities will also be covered, but there will be no cover in respect of any Personal Accident or Personal Liability claims:

Kite snowboarding
Snow go karting
Skidoo

Snow carting
Snowmobile safari
Snowmobiling

Optional Gadget Cover

If you’d like to protect your electronic equipment whilst on your holiday, you’ll need to add on the optional cover level for the number of gadgets that you’d like to cover.

Level of coverNumber of gadgets coveredTotal replacement/repair value for all gadgetsExcess
Level 13 Gadgets£1,000£50
Single article limit£1,000£50
Unauthorised calls, texts and data use£100£50
Single article limit for laptop£1,000£50
Level 25 Gadgets£2,000£50
Single article limit£1,000£50
Unauthorised calls, texts and data use£100£50
Single article limit for laptop£2,000£50
Level 37 Gadgets£3,000£50
Single article limit£1,000£50
Unauthorised calls, texts and data use£100£50
Single article limit for laptop£2,000£50

Policy documents

Here’s where you’ll find all the important information about your policy.