best bicycle insurance

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    Why take bicycle insurance?
    Which bikes can be insured?
    Which bike insurance to choose?
    Registration of bicycles

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Why take bicycle insurance?

Bike insurance, unlike motorcycle insurance, is not compulsory. However, it can be very useful, especially if you live in a city. An estimated 500,000 bicycles are stolen each year. Bike insurance protects against:

    The breakage;
    Theft of a bicycle or bicycle equipment outside the home;
    Accidents.

Both private trips and business trips are covered by bicycle insurance. If your bike is broken or stolen, it can be replaced or restored. If you are assaulted during the theft, you will also be compensated. For falls and accidents, a damage guarantee comes into effect.
Malynx tip!

If you have comprehensive home insurance, be aware that your civil liability for bodily injury may intervene to cover you in the event of an accident. For theft, if it takes place at your home, the bicycle is considered to be movable property and therefore covered.
If the cyclist is responsible

In some cases, bicycle insurance cannot intervene. If the cyclist has committed "a willful fault of exceptional gravity exposing the perpetrator without valid reason to a danger of which he should have been aware", he will not be compensated. However, it is very rare for the insurer to advance this disclaimer.
Which bikes can be insured?

bike-purchase-subsidies

Bike insurance covers both new and used bikes. As with a two-wheeler or a car, it is advisable to cover yourself from the date of purchase. The majority of insurers require the bicycle to be no more than two years old and cost no more than € 8,000. Here are the bikes that can be insured:

    Road, city and racing bikes;
    Mountain bikes (mountain bikes);
    Electrically assisted bicycles (VAE);
    Hybrid bikes.

Which bike insurance to choose?

Choosing the right insurance is a crucial step in providing the best possible coverage for your bike. You must pay attention to several criteria to make the best choice:

    The amount of the insurance premium;
    Warranty exclusions;
    The type of bike to insure (electric bikes are more expensive).

Malynx tip!

Check the guarantees carefully: most bicycle insurance policies do not take into account thefts committed during the night, between 9 p.m. and 7 a.m.

So take the time to compare the different bike insurance offers before choosing.
Registration of bicycles

The Cycling Plan, set up under the Mobility Act, introduces something new for all bicycles purchased, both used and new. From now on, these two-wheelers will need to be marked, just like license plates for cars.

These registrations will then make it possible to draw up a national identification file in order to deal with incivility and in particular theft.
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