5 myths about bike insurance
If you've let prejudice keep you from insuring your bike, you're missing out on huge benefits. Bike insurance is an insurance policy specifically created for bikes to cover theft, total loss and property damage.
The number of bike theft reports has increased every day over the years and this number is not going to decrease anytime soon. The best form of support and protection you can give your bike is to insure it as soon as possible.
A number of prejudices have caused people to overlook the important benefits of insuring their bike:
Once my bike is attached it can never be stolen
With my home insurance policy, I don't need a separate bike insurance
All bicycle insurance is expensive
Only the professional cyclist should take out insurance for his bicycle
A long and difficult complaints procedure
1. Once my bike is locked, it can never be stolen
You can't just lock your bike, because the way bike thieves operate today is more sophisticated. Even the best bike locks available on the market can be picked up by any prepared bike thief. You can be unlucky at any time. The good thing that bike insurance does is that if you secure your bike properly and it gets stolen, the insurance company immediately reimburses you for a value set in your insurance policy.
2. With my home insurance policy, I do not need a separate bicycle insurance
It is far from the truth. Not all home insurance policies cover your bicycle or cycling equipment. You should never assume that your bicycle is covered by home insurance. Also, the home insurance policy does not cover your bicycle if it is stolen or damaged while you are away or if you are not using it. The odds of that not happening as long as you own your bike are next to impossible. It is therefore very important to check the clauses of your home insurance.
3. All bicycle insurance is expensive
Another widely held myth is that all bike insurance is expensive. Getting bike insurance should be viewed as an investment rather than an expense. The average price for an electric bicycle is between 1,000 and 8,000 euros, which is nothing compared to the low monthly investment costs for insuring your bicycle. Bike insurance also comes with special services like 24/7 assistance in case your e-bike battery runs out faster than expected or you have a flat tire. Also, if you get involved in any form of trouble while on the road, bike insurance companies will come to you on the spot or bring you and your bike home if necessary. It's far from expensive compared to the cost of having no coverage at all and the special services included.
4. Only a professional cyclist should have insurance for their bike
Even if you're a casual cyclist, triathlete or just a bike enthusiast, your bike is still vulnerable to theft, damage or loss, so insure your bike. You should also place the same importance on insuring your bike that a professional cyclist places on their bike.
5. Long and difficult claims processing
If your bike is lost, stolen or damaged, you will be reimbursed in full (minus the deductible) without any problem, as long as you respect the conditions and guidelines set out by the insurance. A good insurance company allows you to file your claim in 5 minutes and process it as soon as you receive it. Also, make sure it's proven.
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