Bike and electric bike insurance

Bike and electric bike insurance
Bike insurance
Everything you need to know about bicycle insurance and electric bicycle insurance!

The bicycle has been a means of transport in vogue for several years, in particular to get to his place of work. It therefore becomes important to insure it, in order to be compensated in the event of theft or damage caused to it. What formulas are offered by insurers? Which guarantees to choose? How to get cheap bike insurance?

Take out bicycle insurance
bike insurance

It is not compulsory to take out bicycle insurance. On the other hand, French law requires that any damage caused by a two-wheeler be compensated under civil liability for an incident for which you are found responsible. As such, it is strongly recommended that you opt for minimum coverage with your home insurance, for example.

You may also feel the need to insure your bike to deal with the risks of theft which are numerous in France. With no less than 500,000 thefts recorded each year, cycle out with peace of mind if you have insurance.

Finally, bike insurance also offers you support in the event of breakage, falls or various damage.
How to find cheap bike insurance?
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Do you find that your bicycle insurance premium is too high? Here are our tips for lowering the cost.
Choose a classic bike or an electric bike

As the VAE has a motor, you will be more expensive to insure it than for a bicycle without assistance.
The choice of guarantees

In general, specialist insurers offer three main guarantees for your bike:

    a theft guarantee;
    a breakage guarantee: damage in the event of an accident, a fall, an act of vandalism, etc. ;
    assistance guarantee: repatriation of your bike following an accident and dispatch of a taxi to your home.

Some insurers also offer optional guarantees, in particular to protect cyclists' equipment, for use in competition, for replacement of a new bike, etc. Learn about these options!

In the event that your bike is stolen, you are not entitled to any compensation from your insurer if you have not taken out the theft cover.
electric bike insurance
What is the cost of the franchise?

In some cases, you have the option of selecting your deductible amount. Opting for a higher deductible allows you to reduce the cost of contributions.

In return, if you are the victim of an accident or theft, the costs remaining at your expense will be higher.
Consolidate your insurance contracts

General insurers often put forward discount offers if you bundle all of your insurance with them (home, auto, motorcycle, dog / cat health, quad, bike, etc.). This is a good plan to reduce the cost of your contributions while benefiting from quality guarantees!
Compare rates

It's no secret: to find the cheapest bike insurance, you need to shop around.

For this, you must request quotes from different insurers and once obtained, compare them. Observe the price, the guarantees, the amount of the deductibles and the reimbursement limits. You will be able to choose your bike insurance more easily.
What is the price of bicycle insurance?
bike insurance prices

The price of bicycle insurance varies a lot depending on whether you take it out with a traditional insurer or a specialized company.

The average amount with specialist insurers is between € 25 including tax / year and € 250 including tax / year for bikes without motor and from € 50 including tax / year to more than € 300 including tax / year for an VAE.

Regarding standard insurance, check whether or not your comprehensive home insurance policy covers your bike. If this is not the case, you can take out an additional option, the price of which will vary depending on the insurer. For example, it will be € 3.50 including tax / month with Crédit Agricole Assurances.