Compare bike insuranceLive recovery
BackPedal vs Bikmo: recovery vs traditional cover.
Bikmo is one of the longest-running UK bike insurers — broad cover, traditional payout model, well-regarded in the cycling community. BackPedal is the recovery-first alternative: we send a team to retrieve your stolen bike rather than just writing a cheque.
- 79.7%Recovery rate
- ~48hTypical recovery time
- 24/7In-house ops team
Recovery with no exclusions
Even if you forgot to lock up — we still recover your bike.
Full insurance backup included
Underwritten by Sundays Insurance, FCA regulated.
Tracking kit & professional installation
Covert GSM, GPS & BLE tracking kit — expertly installed, all part of your subscription.
Trusted by thousands of families, commuters, racers and delivery riders because we do more than just insure… we recover.
What Bikmo does well
Bikmo has the longest track record in UK bike insurance and a proven claims process. They offer broad cover (theft, accidental damage, accessories, public liability) and have built a reputation for reliable payouts.
For cyclists who prefer a traditional incumbent with a track record they can verify, Bikmo is a sensible default choice.
Where BackPedal differs
Bikmo's model is built around the payout when something goes wrong. BackPedal's model is built around making sure the payout isn't needed — by recovering the bike. Every BackPedal subscription includes a covert GSM, GPS, and BLE tracker, a 24/7 ops team, and recovery operations that work UK-wide. We already recover thousands of bikes nationwide for fleet partners.
For commuters and high-value cyclists, the maths shifts. A traditional payout from Bikmo replaces the bike (which is great, but still leaves you starting over). BackPedal returns the actual bike you already had, with the kit on it you've already adjusted. Most subscribers never claim — the bike comes back.
Traditional bike
insurance vs
BackPedal
A bike is stolen every 2 minutes in the UK. Fewer than 2% of thieves are ever caught. Traditional insurers don't care — they just price it into your premium. The thief profits. You start again. Nothing changes.
BackPedal is different. We track your bike, recover it, and return it to you — so the thief gets nothing. Insurance is our backup, not our business model.
What you get
RecommendedBackPedalRecovery + Insurance
Other Bike InsuranceTypical Policy
01Recovery & Protection
Get your actual bike back
Covert GPS tracking included
24/7 recovery team deployed
Bike stolen? One call and we take over
02No exclusions on recovery
Forgot to lock up? Still covered
Left outside your house? Still covered
Stolen whilst riding? Still covered
03Insurance
If we can't recover your bike, our backup insurance by Sundays kicks in — the same kind of cover you'd get from any other bike insurer. Standard terms apply and claims are subject to approval.
Financial cover for a replacement bike
Accessory cover
Theft damage cover
Excess
£50*
Varies
* No excess on recovery claims. £200 excess for battery-only insurance claims.
Bikmo vs BackPedal FAQs
What's the difference between Bikmo and BackPedal?
Bikmo is a traditional bike insurance provider — pay premiums, file a claim when something happens, get paid out. BackPedal is recovery-first: we send a team to retrieve your stolen bike, with insurance as the safety net only if we can't get it back. Bikmo writes the cheques; BackPedal returns the bike.
What does Bikmo do well?
Bikmo has been around longer than most UK bike insurers and has a track record of reliable claims handling. They offer broad cycling cover (theft, damage, accessories, liability) and have built a good reputation in the UK cycling community. If you prefer a traditional incumbent with a proven claims process, Bikmo is a sensible choice.
Where does BackPedal differ from Bikmo?
Recovery vs payout. Bikmo's claim process kicks in when your bike is gone for good — they pay out a replacement. BackPedal's recovery team tries to bring the actual bike back first; the Sundays-backed insurance handles a claim only when recovery fails (rare), subject to standard policy terms. For commuters and high-value cyclists, getting the bike back matters more than a faster cheque.
Does Bikmo include a GPS tracker?
Not as standard. BackPedal bundles the covert GSM, GPS, and BLE tracker hardware (~£150) plus professional installation into the subscription (annual upfront in year 1, monthly or annual from year 2). This is what enables the active recovery service — without the tracker, recovery is much harder.
Can I switch from Bikmo to BackPedal?
Yes. Cancel your Bikmo policy and start a BackPedal subscription. Most policies have no early-cancel penalty after the first month; check your existing wording. Talk to us if you want help timing the switch.
See your BackPedal price
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