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Ride confident with specialist BMX insurance
BMX riding is more than just a sport—it’s a lifestyle. Whether you’re hitting the skatepark, mastering street tricks, or racing on dirt tracks, your bike takes a beating. Risks like theft, damage, or accidents involving third parties can happen when you least expect them. Specialist BMX bike insurance gives you peace of mind so you can focus on what really matters—perfecting your next move.
Why choose Cycleplan for BMX bike insurance?
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Your ride, your insurance
No off the rack policies here. Choose your cover so you only pay for what you need – whether commuting, exploring, or just rolling.
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Electric powered cover
Cover needn't be an uphill struggle. Give your freedom a boost by choosing cover to protect your bike adventures.
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Got a few bikes? No problem.
You can protect all your bikes on one policy. There’s a 10% premium discount available on all bikes too (excluding the bike with the highest value).
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Trusted by many, provided by specialists
Rated Excellent on Trustpilot and with insurance provided by Aviva, you can trust us to help keep you protected.
What does BMX bike insurance cover?
BMX bike insurance
- Theft and damage of your BMX bike and accessories up to £30k
- Public liability up to £5m
- Personal accident – up to £50k
- Loss of earnings up to £750 per week
- Replacement bike hire up to £1k
- Competitive use – extends your normal cover when you enter a competition
- Race fees – non-refundable race fees covered up to £250
- Taxi fees – covers the cost of getting home following an accident by up to £50
- Multi trip abroad – you can select both European and Worldwide cover up to 45 days for any one trip
- Multi-bike policy
- Claims where Evidence of Ownership cannot be provided
- Theft where the security requirements haven’t been met
- The use of the bike for trade or business purposes (excluding commuting to or from work)
- Public Liability under the age of 16
For more information and the full list of what’s covered and not, visit our important documents page.
Remember, the policies we arrange are provided on the basis that bikes left unattended are secured to an immovable object using either the appropriate Sold Secure rated lock or the appropriate Thatcham-approved lock. You can learn more about the security requirements here.
Why consider BMX insurance?
BMX biking, especially freestyle riding, involves high-impact stunts, sharp turns, and aerial tricks—elements that naturally come with a higher risk of injury or equipment damage. If you crash while performing a trick, BMX insurance can help cover medical costs for injuries like broken bones or dental emergencies. It also protects your gear, including full-face helmets and pads—essential for safety but costly to replace—when there is a valid theft or accidental damage claim for your securely locked BMX bike.
Whether practising complex tricks at your local park or competing in events, having specialist BMX insurance ensures you and your bike are covered in case of an accident.
Worldwide BMX insurance
Gear up for adventures abroad with our Worldwide and European policy option
A BMX adventure abroad is the perfect way to explore new spots, master tricks, and discover hidden gems off the beaten path. Whether you’re hitting the skateparks in Barcelona or shredding the trails of the French countryside, Worldwide and European BMX insurance through Cycleplan ensures you’re covered wherever your ride takes you.
Important documents
If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.
More detailed cover information can also be found on our Important Documents page.
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BMX insurance isn’t required by law in the UK. However, if you ride often or own a high-value BMX bike, you might want to consider it for protection against risks like theft, damage, or third-party claims.
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Factors such as your age, location, and selected coverage level can all impact the price. The fastest way to find out the cost of a BMX bike insurance policy through Cycleplan is to get an instant online quote.
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Travel insurance policies don’t always cover extreme sports like BMX, as these activities are considered higher risk. Specialist BMX bike insurance can protect you and your bike whether you’re riding in the UK or abroad. Take a look at our worldwide cycling insurance page for more information.
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The insured value of your BMX bike depends on its age and purchase history. If it’s up to 3 years old and was purchased new, the value should be based on the RRP price. If your BMX is over 3 years old, then its indemnity value should be used.
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We understand that insuring more than one bike can get expensive. This is why we have a multi-bike cover option, where you’ll receive up to 10% discount on all bikes, excluding the one with the highest value.
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Yes—BMX insurance through Cycleplan includes cover for competitive use and up to £250 of cover for non-refundable race fees.
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Your BMX bike is covered for use by immediate family members who permanently live at the address where your bike is insured. This can include your parents, spouse, partner, son, daughter, or siblings.
Whether you have a single or family bike policy, everyone in your household will be covered by the benefits selected free of charge. So, if you choose Personal Accident or Public Liability cover, you won’t need to pay additional fees to cover your family members.
Your bike wouldn’t be covered if it was in the hands of anyone other than your immediate family.
Refer your friends and you’ll both be rewarded
If you choose to refer your friends to us, not only will we reward you with a voucher of your choice but your friends will receive an exclusive discount too!
BMX tips & advice
