Insurance

Theft insurance will work if you have secured your bike with a certified lock. Check the model required by the insurer. 

A waiting period may apply, during which the bike may possibly be found. If it is found damaged, insurance can pay for repairs. 

In the event of theft, file a claim within 24 hours and immediately follow the claims procedure detailed by your insurer. Reporting the theft to your insurance must generally be made within 48 hours.

Theft of the battery and fixed equipment. Although secured with a key on some bikes, the battery can be stolen, as can other removable original accessories. It is advisable to always remove it when leaving your bike. In addition, a bike without a battery will be of less interest to a prospecting thief. Theft of the battery can be insured by certain contracts as a fixed accessory.

During an act of vandalism, a fall, a collision with an animal or an accident, your bicycle may be damaged. The insurance will then cover the repair of the bicycle or the replacement if repair is impossible. Damage caused by an electric bike battery fire can also be covered.

Check what each point of the insurance covers. To do this, refer to the “IPID” file that the insurance must display to you before any subscription. This is a document which summarizes all the guarantees and exclusions on one or two pages. If you wish to have more details on a point, you can then refer to the general conditions of the contract.
Before subscribing, check that you have:

The invoice for your bike
The bill for your anti-theft device
That your anti-theft device appears in the list given by the insurer (list of authorized brands and models)
The serial number of your bike
Strictly respect all constraints imposed by the insurance. Without this, in the event of a disaster, you will not be covered.
Please note, if technical modifications have been made, affecting the proper functioning of the bicycle, this may be part of the exclusions (unless they are modifications carried out by the manufacturer).

Generally optional, this guarantee allows you to benefit from taxi transport when returning home is impossible. This option can be useful for electric bikes or e-bikes which generally weigh between 20 and 30kg. When the bike no longer runs and you have to carry it, this warranty is very useful! The scope of the guarantee differs significantly from one insurance to another. Before subscribing to an assistance option, we recommend checking:
- The cases where the insurance will activate the assistance (may be different if it is a simple bike or an electric bike)
- Exclusions
- Coverage of security costs (if, for example, you are injured and unable to keep your bike)
- The return of accompanying persons, especially if you are on an outing with children
- Assistance in the event of a puncture
- Assistance if you lose the keys to your anti-theft device or if the padlock is blocked
- The maximum limit of expenses covered and the need to call the insurer before incurring the expenses

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