Decathlon bike insurance

Decathlon bike insurance

One of the largest bicycle sellers in France, Decathlon, offers insurance from AIG (American insurer) covering breakage and theft when purchasing its bicycles. These are two-year contracts whose price depends on the purchase price of your bike. These contracts are relatively economical since insurance covering breakage and theft costs €250 for two years for a €2,000 bike. This insurance must be taken out within six calendar days of purchasing your bike. Read more...

Decathlon also offers insurance for second-hand bikes, but only on Decathlon bikes (BTWIN, Rockrider, Triban, etc.).
Is it worth taking out bicycle insurance?

If you own an expensive bicycle, it is recommended that you take out specific bicycle insurance that covers theft, breakage or material damage and assistance. These three guarantees are generally not included in your multi-risk home contract, which may cover the theft of your bike only from your home and your civil liability if you cause damage to third parties.

Check if your home insurance policy covers the theft of your bike. Most housing contracts cover the theft of your bike inside your home, but rarely on public roads (or with time restrictions). However, this remains possible as an option for certain contracts (AXA or Macif for example), for a cost comparable to that of specialized bicycle insurance. The options "damage / damage" or "assistance" are not offered on the other hand. The following insurances offer bicycle theft insurance at home and for some as an option for thefts outside the home:
Can you insure your bike with your home contract?
The flight

Each home insurance contract has its own particularities and you will find below a list of housing contracts for more details. Regarding the theft guarantee, housing contracts generally cover the theft of the bicycle in the apartment or in a closed bicycle room. Certain contracts in the basic or optional warranties may cover the theft of the bicycle on public roads, but with certain restrictions. In addition, housing contracts may apply lower guarantee ceiling limits than specialized bicycle insurance.

The theft of the bicycle on the public highway is generally not insured in the housing contract between 11 p.m. and 7 a.m.
Liability insurance

Civil liability insurance (RC) covers the damage you could cause to third parties, whether it be bodily injury (you hit a pedestrian), material damage (you tear off a mirror) or immaterial damage (financial damage).

It is not mandatory for city bikes, mountain bikes and other non-electric bikes as well as electric bikes traveling at less than 25 km/h. This insurance is rarely found in bicycle insurance contracts because cyclists are generally covered by their multi-risk home contract.

Civil liability works for electric bikes if the electric assistance is coupled with pedaling, if the bike does not exceed 25 km/h and if the power of its motor does not exceed 250 Watts.

If your bike exceeds 25 km/h and is in the category of vehicles that can reach 45 km/h, you must take out civil liability insurance. Standard bicycle insurance is not enough and it is necessary to insure yourself with "moped" insurance.

Professionals using the bike (deliverymen for example) must take out specific pro liability insurance covering their activity.
More details on your HRM and bike insurance guarantees

For more information on what your home insurance covers in relation to your bike, you can consult our guides:

    ALLIANZ: cover via a dedicated NVEI contract or via your Allianz Habitation contract, in particular the "leisure equipment" option
    AXA: information and quotes for a housing contract covering the theft of your bike
    GMF: electric bike insurance GMF Familiisirs
    Gan
    Groupama: bicycle insurance covering damage to the bicycle, damage and theft
    MAAF: information on MAAF bicycle and VAE insurance
    MACIF: civil liability insurance for MACIF 2-wheel bikes
    MAIF: MAIF bicycle insurance via the housing contract
    mma
    MATMUT: MATMUT electric bike insurance