How to choose the right bike insurance?

    Bike insurance


I have been wanting to deal with the subject of bicycle insurance for many months. Many of you have asked me by email how to insure your bike, whether simply for theft, but also in the event of a fall in or out of competition. Understandable when you've invested a lot of money to get yourself the bike of your dreams.

A bicycle is stolen in France every minute. If most of them are urban bikes, competition road bikes are not spared from this scourge. Every year, cyclists have their bicycles stolen during races or cyclosportives, whether at the foot of the podium while picking up their bib or even in their car.

In daily urban practice or competition, falls can also occur at any time, causing sometimes costly damage, so you should choose your insurance carefully. Good news, there is now a bike insurance comparator to make your job easier.
Many solutions

Vélovolé, Cyclassur, AssurConnect and many other general insurers offer solutions for cyclists. But as with any insurance, it is always difficult to make a choice in the midst of all the offers that exist. The comparison between the different solutions offered is not always easy. Anti-theft obligation, deductibles, breakage covered or not, in competition or not?

With the period of confinement linked to Covid-19, perhaps you have also reconsidered your daily means of transport to use the bicycle more widely.

Do you want to be insured only for bodily injury, or also for breakage and theft, or even the cancellation of bibs?
One site to compare everything

The Lecomparateurassurance website can help you find the best bike insurance. Whether your bike is new or used, whether it costs 300 or 12000€, whether it's a simple urban bike, an ultra-light road bike or an electric bike, this site allows you in a few clicks to get quotes by carrying out comparisons with more than 100 insurers and 8,000 local agencies.

A big time saver that will save you from filling out a large number of forms only to realize, after 10 minutes, that you have wasted your time because an insurance company does not accept bikes over 3000€ or does not insure them. electric bicycles.

What to check to choose the right insurance?

Of course, you should not stop at the amount of the annual or monthly contribution alone to make your choice. Because behind the same tariff hide many differences in services that should be well compared and studied.

Here are some points to check in your current contract or your future contract to be sure that you have risk coverage that meets your needs.
Anti-theft or not?

Does the insurance require the mandatory presence of a lock? If yes, which type is accepted by the insurance? It happens that insurers require the presence of one or two approved locks. In this case, you will have to justify the presence of these devices to your insurer by providing the purchase invoice for the anti-theft devices.

Check whether or not your contract requires a specific lock (ABUS, KRYPTONITE, ...) and whether the compensation requires that your bike be attached by the frame and one of the wheels to a fixed point.

In addition to this, the theft guarantee may be subject to the presence of an anti-theft marking on your bike.
What types of guaranteed flights?

Would you like to be covered only in the event of a break-in, or also in the event of theft with aggression, as happens more and more often - and therefore without break-in or breakage of the lock - in urban areas?

Also check, is the flight covered 24 hours a day or only during the day?
Breakage is destruction in competition?

Will your bike be insured when practicing in competition? If you are licensed, you know that your Federation's insurance does not cover, or very badly, the breakage or complete destruction of your bike during a competition (federal race or cyclosportive).

While in many cases a fall may involve little expense (pedals, derailleurs or brake levers), it can also happen that your carbon wheels or your frame are irreparably destroyed.