Theft of battery and fixed equipment
Although secured with a key on some bikes, the battery can be stolen, as can other removable genuine accessories. It is advisable to always remove it when you leave your bike. In addition, a bicycle without a battery will have less interest for a prospecting thief. The theft of the battery can be ensured by certain contracts as a fixed accessory.
Material damage insurance
In an act of vandalism, a fall, a collision with an animal or an accident, your bike may be damaged. The insurance will then pay for the repair of the bike or the replacement if the repair is impossible. The damage caused by the fire of the battery of the electric bicycle can also be covered.
Qover-Me also bears the cost of renting a bike while yours is being repaired (15€ / day over 3 days maximum).
With Cyclassur, the "damage" or "breakage" guarantee also works when the bike is damaged during road transport.
However, these contracts do not cover civil liability, ie the damage you may cause to third parties (physical, material or immaterial damage). They can sometimes be covered by your home insurance, check your contract.
Support and troubleshooting
Generally optional, this guarantee allows you to benefit from transport by taxi when it is impossible to return home. This option can be useful for electric bikes or VAE which generally weigh between 20 and 30kg. When the bike no longer rolls and has to be worn, this guarantee is very useful! The scope of the guarantee differs significantly from one insurance to another, before subscribing to an assistance option, we advise you to check:
The cases where the insurance will activate the assistance (may be different if it is a simple bike or an electric bike)
Exclusions
Coverage of storage costs (if, for example, you are injured and unable to keep your bike)
The return of accompanying persons, especially if you are going out with children
Assistance in the event of a puncture
Assistance if you lose the keys to your lock or if the padlock is blocked
The maximum ceiling of costs covered and the need to call the insurer before incurring the costs
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🔎 Points to check before subscribing
Check what each point of insurance covers. To do this, refer to the "IPID" file that the insurance must display to you before any subscription. This is a document that summarizes all warranties and exclusions on one to two pages. If you wish to have more details on a point, you can then refer to the general conditions of the contract.
Before subscribing, check that you have:
From the bill for your bike
From your anti-theft bill
That your lock is on the list given by the insurer (list of authorized brands and models)
The serial number of your bike
Strictly respect all the constraints imposed by the insurance. Otherwise, in the event of a claim, you will not be covered.
Please note, if technical modifications have been made, affecting the proper functioning of the bike, this may be part of the exclusions (unless these are modifications made by the manufacturer).
Price of bike insurance
The price of bicycle insurance depends on the purchase price of the bicycle, the options taken out (theft, theft+breakage, assistance, civil liability) and for certain departmental insurances. In this case, if you live in a big city, you will pay more considering the number of larger flights. You can get an accurate price by using our comparator.
Profession Price
🚲 City bike (500€)
€2 to €3 per month Only theft or only damage to the bike
🚲 City bike (500€)
€3 to €5 per month Theft AND damage to the bike
🚴 Electric bike (1000€)
€5 to €7 per month Theft AND damage to the bike
🚴📦 Cargo bike (4500€)
€19 to €29 per month Flight only
🚴📦 Cargo bike (4500€)
€23 to €30 per month Theft AND damage
🚴 Electric mountain bike (8000€)
€42 to €54 per month Theft AND damage
🔎 Important: if you want to insure your bike, don't just take into account the price, but also the deductible and the rate of obsolescence applied (see our detailed comparison table below).
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