The Bicycle Cover in 7 questions
To find the best insurance, all you have to do is answer 7 ultra-simple questions:
What type of bike do you want to insure?
What kind of protection do you want?
How old is your bike?
What is the purchase value of your bike (equipment included)?
Who will use the insured bicycle?
Do you cycle in the Netherlands or Luxembourg?
Do you participate in amateur cycling competitions (unpaid)?
All the information you need to answer these questions as best as possible can be found in this article.
Bike Warranties
What is a bicycle insurance guarantee? The different bike warranties are the types of protection you will benefit from by subscribing to bike insurance.
rc bike
Type of bike Insurance
The bike runs at less than 25 km/h Family RC
The bike runs over 25 km/h RC bike
The Civil Liability, or RC bike guarantee is only necessary if your bike is traveling at more than 25 km/h. This warranty covers property damage and bodily injury in the event that you cause an accident and your liability is incurred. Consider this warranty if you need to insure an electric bike.
For bikes that cannot ride independently, you are covered by your family RC that you can also take out through the Seraphin broker. An RC bike is therefore not necessary.
Omnium Bike Insurance
The Omnium guarantee is the bike cover you need if you want to be covered in the event of theft, attempted theft, material damage and vandalism. It usually includes assistance.
Bike Insurance
Bike Assistance
What does bike assistance do? Bicycle assistance offers you assistance anywhere in Belgium in the event of theft, breakdown or breakage of your bicycle.
Bike assistance is sometimes included in the family RC: do not hesitate to contact your Séraphin digital broker to check that you have no duplicates in your insurance contracts.
You need to choose the contract that best suits your needs. For example, if you cycle in the Netherlands, some companies offer contracts that are more advantageous than others. Thanks to our bike insurance comparator, the extent of your trips will be immediately taken into account and will allow you to directly benefit from the insurance best suited to your profile.
Bike Legal Protection
What is the use of bicycle legal protection? Thanks to bicycle legal protection, you benefit from legal aid in the event of an accident caused by your bicycle. It also allows you to defend yourself against designers or bike repairers.
Individual Bicycle Accident
What is the purpose of the individual bicycle accident guarantee? The individual bicycle accident, also called individual protection of the cyclist, is a bicycle guarantee which allows you to be covered if you are injured following an accident or a fall while cycling. At Séraphin, this guarantee is included in the comprehensive protection bicycle insurance.
Bicycle Insurance Contract: points to check
When you take out bicycle insurance, several points should attract your attention:
If your bike is more than 5 years old, you can no longer insure it against theft and material damage.
Check the deductible - although there is often no deductible for bicycle insurance, certain bicycles such as mountain bikes are an exception (the deductible is often 10-20% of the value of the bicycle in this case)
Adopt a padlock that meets ART standards
Read the exclusions of your insurance contract carefully or ask your broker for them.
bicycle insurance comparison
At Seraphin, we also insure mountain bikes!
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