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Bike Shop Insurance
Bike Shop Insurance
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Bikmo for Business - Retail Quote
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    Let us know whereabouts in the UK we will find you. If you have more than one store it would be best for us to talk through your insurance - you can book a time to chat here.
    Please Select
    • Please Select
    • United States
    • Afghanistan
    • Albania
    • Algeria
    • American Samoa
    • Andorra
    • Angola
    • Anguilla
    • Antigua and Barbuda
    • Argentina
    • Armenia
    • Aruba
    • Australia
    • Austria
    • Azerbaijan
    • The Bahamas
    • Bahrain
    • Bangladesh
    • Barbados
    • Belarus
    • Belgium
    • Belize
    • Benin
    • Bermuda
    • Bhutan
    • Bolivia
    • Bosnia and Herzegovina
    • Botswana
    • Brazil
    • Brunei
    • Bulgaria
    • Burkina Faso
    • Burundi
    • Cambodia
    • Cameroon
    • Canada
    • Cape Verde
    • Cayman Islands
    • Central African Republic
    • Chad
    • Chile
    • China
    • Christmas Island
    • Cocos (Keeling) Islands
    • Colombia
    • Comoros
    • Congo
    • Cook Islands
    • Costa Rica
    • Cote d'Ivoire
    • Croatia
    • Cuba
    • Curaçao
    • Cyprus
    • Czech Republic
    • Democratic Republic of the Congo
    • Denmark
    • Djibouti
    • Dominica
    • Dominican Republic
    • Ecuador
    • Egypt
    • El Salvador
    • Equatorial Guinea
    • Eritrea
    • Estonia
    • Ethiopia
    • Falkland Islands
    • Faroe Islands
    • Fiji
    • Finland
    • France
    • French Polynesia
    • Gabon
    • The Gambia
    • Georgia
    • Germany
    • Ghana
    • Gibraltar
    • Greece
    • Greenland
    • Grenada
    • Guadeloupe
    • Guam
    • Guatemala
    • Guernsey
    • Guinea
    • Guinea-Bissau
    • Guyana
    • Haiti
    • Honduras
    • Hong Kong
    • Hungary
    • Iceland
    • India
    • Indonesia
    • Iran
    • Iraq
    • Ireland
    • Israel
    • Italy
    • Jamaica
    • Japan
    • Jersey
    • Jordan
    • Kazakhstan
    • Kenya
    • Kiribati
    • North Korea
    • South Korea
    • Kosovo
    • Kuwait
    • Kyrgyzstan
    • Laos
    • Latvia
    • Lebanon
    • Lesotho
    • Liberia
    • Libya
    • Liechtenstein
    • Lithuania
    • Luxembourg
    • Macau
    • Macedonia
    • Madagascar
    • Malawi
    • Malaysia
    • Maldives
    • Mali
    • Malta
    • Marshall Islands
    • Martinique
    • Mauritania
    • Mauritius
    • Mayotte
    • Mexico
    • Micronesia
    • Moldova
    • Monaco
    • Mongolia
    • Montenegro
    • Montserrat
    • Morocco
    • Mozambique
    • Myanmar
    • Nagorno-Karabakh
    • Namibia
    • Nauru
    • Nepal
    • Netherlands
    • Netherlands Antilles
    • New Caledonia
    • New Zealand
    • Nicaragua
    • Niger
    • Nigeria
    • Niue
    • Norfolk Island
    • Turkish Republic of Northern Cyprus
    • Northern Mariana
    • Norway
    • Oman
    • Pakistan
    • Palau
    • Palestine
    • Panama
    • Papua New Guinea
    • Paraguay
    • Peru
    • Philippines
    • Pitcairn Islands
    • Poland
    • Portugal
    • Puerto Rico
    • Qatar
    • Republic of the Congo
    • Romania
    • Russia
    • Rwanda
    • Saint Barthelemy
    • Saint Helena
    • Saint Kitts and Nevis
    • Saint Lucia
    • Saint Martin
    • Saint Pierre and Miquelon
    • Saint Vincent and the Grenadines
    • Samoa
    • San Marino
    • Sao Tome and Principe
    • Saudi Arabia
    • Senegal
    • Serbia
    • Seychelles
    • Sierra Leone
    • Singapore
    • Slovakia
    • Slovenia
    • Solomon Islands
    • Somalia
    • Somaliland
    • South Africa
    • South Ossetia
    • South Sudan
    • Spain
    • Sri Lanka
    • Sudan
    • Suriname
    • Svalbard
    • eSwatini
    • Sweden
    • Switzerland
    • Syria
    • Taiwan
    • Tajikistan
    • Tanzania
    • Thailand
    • Timor-Leste
    • Togo
    • Tokelau
    • Tonga
    • Transnistria Pridnestrovie
    • Trinidad and Tobago
    • Tristan da Cunha
    • Tunisia
    • Turkey
    • Turkmenistan
    • Turks and Caicos Islands
    • Tuvalu
    • Uganda
    • Ukraine
    • United Arab Emirates
    • United Kingdom
    • Uruguay
    • Uzbekistan
    • Vanuatu
    • Vatican City
    • Venezuela
    • Vietnam
    • British Virgin Islands
    • Isle of Man
    • US Virgin Islands
    • Wallis and Futuna
    • Western Sahara
    • Yemen
    • Zambia
    • Zimbabwe
    • Other
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    The combined total paid each year to all staff members.
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    Enter total amount paid annually in wages. If unsure please estimate.
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    Include dates, circumstances, financial loss suffered, and details of any risk improvements subsequently implemented.
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    You are not aware of any potential claim or loss from the dishonesty or malice of any employee. You have not had any insurance or proposal cancelled, withdrawn, declined or made subject to special terms. You have not been declared bankrupt or become insolvent or made any voluntary arrangement with creditors or been subject to enforcement of a judgement of debt either in a personal capacity or as a business. You have not been convicted of or charged with any offence (other than a motoring offence) which has not been spent under the Rehabilitation of Offenders Act 1974.
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    Select all the activities that you are involved in, and select Other as well if there's something unusual not already listed.
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    Please select from the following options.
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    Please select from the following options.
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    Please include an idea of what proportion of your annual turnover is generated from these extra activities
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    This should be an accurate representation of the cost to rebuild the premises from scratch - it is not the market value. The potential ramifications of underestimating this value on any insurance you take out could be significant, you may not receive the support you were expecting. If you are in any doubt at all over the accuracy of this figure you should seek the professional guidance of a RICS accredited surveyor - we can provide recommendations on low-cost trusted survey options on request.
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    This may include mortgage companies, freeholders, property owners, property managers.
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    Consider the investment you have made into the building that you would not be able to take with you if you relocated to alternative premises.
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    Consider the investment you have made into the building that you would not be able to take with you if you relocated to alternative premises.
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    The buildings are built only with standard construction materials (external walls constructed of brick, stone or concrete and roofed with slates, tiles or profile metal). No part of the building's roof is flat. Your premises is self-contained (under the sole control of your business). The premises has never flooded, and is not within 250m of any flowing body of water. The buildings are free from cracks or other signs of damage that may be due to subsidence, landslip or heave, and have not previously suffered damage by any of these means and are not in a known subsidence area. The premises is heated by a conventional electric, gas, or solid fuel heating system. All electrical installations have been inspected with the last 5 years, and any defects identified have been remedied. All lifts, boilers, steam and pressure vessels have been inspected and approved to comply with all statutory requirements. Outbuildings and Storage containers are not used at this site.
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    1. The final exit door is secured by: a. a mortice deadlock conforming to or superior to BS3621; or b. a rim automatic deadlock conforming to or superior to BS3621; or c. a key operated multi-point locking system having at least three locking bolts. 2. Any other external door or internal door providing access to any part of the building not occupied by you, which is not officially designated a fire exit by the local fire authority, is secured by: a. a locking device specified in 1 above; or b. by two key operated security bolts to engage the door frame. 3. Any other external door or internal door which is officially designated a fire exit by the local fire authority is secured by: a. a panic bar locking system incorporating bolts which engage both the head and sill of the door frame; or b. a mortice lock having specific application for emergency exit doors and which is operated from the inside by means of a conventional handle and/or thumb turn mechanism. 4. All ground and basement level opening windows and any upper floor opening windows or skylights accessible from roofs, balconies, fire escapes, canopies, downpipes and other features of the building are: a. secured by means of a key-operated locking device; or b. permanently screwed shut.
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    Contents/Stock: The next few questions will ask about your Contents/Stock levels.

    For the purpose of this section your assets will need to be split into four categories:

    1) Stock
    Consumable goods, merchandise goods, samples and goods held in trust, including customers' goods for which you are legally responsible.

    2) Fixtures and Fittings
    Imagine turning the building upside down. Anything for which you are legally responsible which would remain unmoved - that is secured to the building - would fall into this category.

    3) Computers
    Includes handheld devices, mobile phones and ancillary equipment which belong to you and for which you are legally responsible - including all software and data carrying media.

    4) General Contents
    Everything else for which you are legally responsible within the premises. This may include workshop tools, POS displays, fridges, coffee machines, cleaning/maintenance equipment, the list goes on.

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    The maximum value of Stock held at your main premises during regular trading weeks. Stock: Consumable goods, merchandise goods, samples and goods held in trust, including customers' goods for which you are legally responsible.
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    Your peak trading period is the 90-day period where revenue is at its highest (and for the 14 days immediately before this period).
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    Estimate the maximum value of Stock held at any one time (think about your busiest time of the year). Stock: Consumable goods, merchandise goods, samples and goods held in trust, including customers' goods for which you are legally responsible.
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    The combined value of Fixtures and Fittings within your main premises. Fixtures and Fittings: Imagine turning the building upside down. Anything for which you are legally responsible which would remain unmoved - that is secured to the building - would fall into this category.
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    The combined value of Computers which are contained within your main premises. Computers - Includes handheld devices, mobile phones and ancillary equipment which belong to you and for which you are legally responsible - including all software and data carrying media.
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    The combined value of the General Contents which are contained within your main premises. General Contents: Everything else for which you are legally responsible within the premises. This may include workshop tools, POS displays, fridges, coffee machines, cleaning/maintenance equipment, the list goes on.
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    Select all security provisions that you have in place.
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    This should be easy to confirm on a copy of an invoice, through their website, or by checking the register at https://www.nsi.org.uk/company-finder/
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    Include the model/specification, details of who installed the system, and details of what would happen if the alarm was activiated.
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    Include details of whether this is a wet, dry or mixed system.
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    This includes both deliveries completed by your own vehicles, and those entrusted to third party couriers/postal services.
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    If your property is damaged and parts uninhabitable, under the terms of your lease you may still have a duty to pay rent to your landlord.
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    If you include this cover there are automatic extensions which will provide a limited amount of protection against disruption caused by other factors too including damage suffered by suppliers, utility outages, local authority action. We'll outline more details of these extensions alongside our quotation.
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    This is the maximum period that insurers will continue to offer financial assistance to counter the disruption following an insured event. When selecting a Business Interruption indemnity period think carefully about how long it may take to build the business back up from the ground if you are floored by a major incident - it may take much longer to return to your pre-loss profitable position than it takes to reopen the doors.
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    For these purposes Annual Gross Profit = Turnover - (Purchases + Variable Costs) If you're unsure please estimate for now, but you would be best to seek the professional guidance of your accountant to be certain you are not miscalculating the risk.
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    Employers' Liability insurance is a legal necessity for the vast majority of UK businesses - there are very few exceptions to these strict rules. If selecting 'No' you should ensure you take great care to verify that you have no legal duty to purchase this cover - you can be fined up to £2,500 per day if trading without the necessary Employers' Liability cover in place.
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    Public/Products Liability would be an essential lifeline to your business in the event of third party injury/property damage alleged to have resulted from your negligence.
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    With rising claimant damages for long-term, life-changing injuries, we would strongly encourage you to carefully assess an appropriate level of cover so you are comfortable with your retained risk beyond the set limit. Please ask us for guidance if you are in any doubt about the suitability of the limit you may wish to include.
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    Please disclose this information for each member of your team conducting servicing or repair duties.
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    You have noted that you provide professional design or advisory services as part of your business. We would recommend that you consider Professional Indemnity insurance to protect yourself from damages arising from alleged ineffective or negligent design, advice or tuition.Please ask us if you would like any further advice or guidance as to whether this extension is suitable for you.
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    Please ask us for guidance if you are in any doubt about the suitability of the limit you may wish to include.
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    If you're not sure then feel free to move on to the Next question.
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    Please disclose this information for each member of your team involved in custom build and design.
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    Please disclose this information for each member of your team involved in Bike Fitting.
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    Please disclose this information for each member of your team responsible for overseeing maintenance classes.
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    Please disclose this information for each member of your team engaged in sports and fitness coaching activities.
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    Legal expenses cover can support you in the event of legal disputes, either providing assistance to defend yourself from action brought against you, or to support you in the event that you are compelled to take action against others.
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    Please ask us for guidance if you are in any doubt about the suitability of the limit you may wish to include.
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    If you don't have these documents to hand you can always email them to us later (forbusiness@bikmo.com). If you'd prefer not to supply your existing policy documentation then just select Next to continue.
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    The Insurance Act 2015 outlines a strict duty on non-consumers - that includes you - to ensure a fair presentation of the risk. This means you have a duty to disclose to us and insurers every material circumstance to which you know or ought to know, including information that can be revealed by a reasonable search of information available to you, including information held within your organisation by other members of your team. A material circumstance are circumstances which may influence an insurer's decision to cover a risk and/or the terms that are applied. If your insurer ever feels that you have failed to make a fair presentation of the risk they have the right to take remedial action (this could influence the result of a claim) and may include voiding the policy or altering the terms of the cover provided.
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    The information you have provided in this form will only be used by Bikmo to process your request for an insurance review, and always in accordance our Bikmo for Business Privacy Policy.
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