Dedicated VAE insurance
best bicycle insurance
Decathlon warranty (reserved for buyers of new Decathlon bikes) GMF – Groupama Familiisirs – Breakage and theft insurance Matmut – 2R Liberté Cyclassur Ulygo Klinc Qoverme BeProtekT
Civil liability No No No No No No Yes No No
Assistance No No No No Yes (optional) No No Yes (24 hours a day, 7 days a week, sending a tug to transport the cycle to a repairer or to your home) No
Legal protection No No No Yes No No Yes No No
Home theft Yes (by assault or break-in) Yes (by assault or break-in, including from a locked vehicle) Yes (by assault or break-in) Yes (by break-in or break-in) Yes (by break-in or break-in) Yes (by break-in or assault, including on a bike rack, trailer, roof rack if the cycle is attached by an approved lock) Yes (with violence or break-in) Yes (by violence or break-in without wear and tear) Yes (by assault or break-in)
Theft from outside Yes (by assault or break-in) Yes (by assault or break-in, including in a locked vehicle) Yes (by assault, break-in or in the open air if it is under your direct supervision and close to you) Yes (with burglary or assault) Yes (by burglary or assault) Yes (by burglary or assault, including on a bike rack, trailer, roof rack if the cycle is attached by an approved lock) Yes (with violence or burglary ) Yes (by violence or break-in without wear and tear) Yes (by assault or break-in)
Material damage Yes (payment of repair costs or reimbursement in vouchers for an amount corresponding to the value of the bike including tax) Yes (payment of fire, water damage, storm, hail, flooding or shock, whatever it may be, as well as technological disasters Yes (coverage of fire, attacks, acts of terrorism, riots, climatic events, natural and technological disasters, immersion and accidental breakage) Yes (coverage of fire, attack, storm, natural and technological disasters, accidents and natural events) Yes (extended to breakage occurring during transport road) Yes (following an accident, fire, fall with or without an identified third party, vandalism, road transport, acts of terrorism, natural and technological disasters) Yes Yes (following an accident, an act of vandalism, floods or fire) Yes
Bodily injury No No No Yes (ceiling of 7,000 euros for health expenses, 13,000 euros for loss of professional earnings and up to 7,500 euros in the event of a permanent disability rate greater than 65%) No Yes (compensation in the event of total interruption of work of more than 90 days, total permanent disability or death) No No No
Bicycle equipment (helmet, etc.) No No Yes Yes (only protective equipment) Only fixed accessories Yes (only if they are fixed to the bicycle) No Yes (if their amount exceeds that of the deductible) No
Reimbursement of rental costs for a replacement bicycle No Yes within the limit of 8 days No No No No No Yes (up to a maximum of 15 euros including tax per day for three days) No
Insurance of electric bikes with a power greater than 250 w No No (can be insured via GMF two-wheeler insurance) No No No No No No No
Data taken from the general conditions of the insurance contracts of each entity.
>
Electric bike and home insurance
As we have seen above, your home insurance can cover your VAE in the event of a burglary at your home or if a loss covered in your MRH contract occurs and damages it. Check that your electric bike is included in the movable capital declared at the time of subscription.
If you have an electric bike with a power greater than 250 watts and/or whose assistance is not limited to 25 km/hour, it will not be guaranteed, even at your home. Dedicated coverage is essential: it is offered by insurers in their two-wheeler formula or within contracts dedicated to new vehicles and EDPM, like scooters, Segways and other recent mobility devices.
Where can I get a quote for VAE insurance?
Several choices are available to you to make an estimate for your VAE. First instinct? Ask your home insurer to ask him to include your cycle in your furniture capital and ask him if he offers a broader option for outdoor coverage. In some cases, it may be more interesting to choose dedicated bicycle insurance from a specialized insurer. It's up to you to compare guarantees and prices. Comparators can also be of great help in quickly gauging differences between contracts. Small downside?
إرسال تعليق