Bicycle Insurance

What does bicycle insurance cover?

Basic coverages:

• Third-party liability: compensation in the event of an accident causing bodily injury or material damage.
• Theft: coverage in the event of the bicycle being stolen from an outdoor area or warehouse, under certain conditions.
• Rider accident: medical expenses or compensation due to injury from an accident.

Optional coverages:

• Equipment coverage: damage or loss of accessories (e.g. helmet, GPS, lights, child seat seat).
• Roadside assistance: in case of breakdown or accident, transport of the bike and rider.
• Coverage abroad: protection when using the bike in other countries.

Specialized coverages:

• Competitive use: coverage for participation in cycling competitions.
• Electric bicycle (e-bike) coverage: protection for battery and electrical components, which often have a high replacement cost.

Factors affecting the cost

• The value of the bike and its equipment.
• The type of bike (urban, racing, mountain bike, electric).
• The age and profile of the rider.
• The history of damage or theft.
• The coverages to be selected.

What is needed for insurance

• Proof of purchase or a document proving the value of the bicycle.
• Owner details (ID, VAT number).
• Photos of the bicycle.
• In some cases, serial number of the frame.

What to look out for:

• If theft is only covered from a closed area or in a public place
• If there is an exemption (e.g. participation in damages)
• If the insurance is valid abroad (useful for travel)
• If there is a limitation age of the bike (e.g. < 5 years)

Useful notes

• Bike insurance offers particular peace of mind to owners of expensive bikes or e-bikes.
• Civil liability is important, as even a small accident can cause major financial burdens.
• Choosing plans that include roadside assistance ensures that you will not be left exposed in the event of a breakdown or traffic incident.
• Our company is by your side to propose the most advantageous solution, tailored to your real needs.