Can home insurance compensate me for the theft of my bike?

Can home insurance compensate me for the theft of my bike?

Unlike cars and motorized two-wheelers, daily and occasional cycling does not require compulsory insurance. However, taking out coverage will protect you in the event your bike is stolen. As a first step, you should therefore check that you are not already covered by one of your insurance contracts. In fact, in the event your bike is stolen, your home insurance contract or an optional guarantee (sports and leisure guarantee, travel) may possibly cover the reimbursement of your frame under certain conditions:

    whether your bike is in your home or your car. Ex: in the event of burglary;

    if your bicycle is outside your home. Ex: in the event of the theft of a bicycle attached in the street using an anti-theft device or in the event of an assault;

    if you have not exceeded the annual number of thefts covered by your home insurance contract or the maximum amount guaranteed.

To find out if your home insurance covers you in the event of a loss related to your bicycle, here is the detail of the MRH insurance policies that take this risk into account in their coverage. In some cases, the bicycle insurance option is free on request:
groupama
Multi-risk Home Insurance
Price
0 €
Opinion
Compensation in the event of theft of the bicycle at home, if there has been a break-in.
Liability for damage caused to third parties covered by the civil liability of HRM insurance.
Our recommendation.
Quote
Online quote
allianz bike insurance logo
Breakage and Theft option level 2 of the Allianz Habitation contract
Price
According to housing conditions.
Opinion
The bike is guaranteed for up to € 1,500 outside the home, if the value> € 1,500 coverage for theft in the event of break-in into a bicycle room / theft on public roads and assault, cover maintained during holidays.
Quote
Quote in agency
axa bike insurance logo
Multi-risk home insurance
Price
According to housing conditions
Opinion
Covers theft in the accommodation, possibility of subscribing to a home insurance option if cycling outdoors
Quote
In agency
gan perp
Extended Protection Guarantee of the home contract
Price
According to housing conditions
Opinion
Covers bicycle theft, does not cover bicycle theft on public roads or in collective premises in the absence of an anti-theft device
Quote
In agency
maaf bike insurance logo
Home tempo
Price
According to housing conditions
Opinion
Theft of the covered bicycle inside the home provided its amount is included in the movable capital
Quote
In agency
maif bike insurance logo
Home insurance (option 2 or option 3)
Price
According to housing conditions
Opinion
Theft of the bicycle covered in all places, cover in other countries of the world as long as the stay does not exceed 1 year
Quote
In agency
macif bike insurance logo
Home insurance "bicycle" option
Price
Protection formulas from € 8.50 per month including tax
Opinion
Covers bike theft at home, on the go and outdoors, mountain bikes, covers racing bikes
Quote
In agency
mma bike insurance logo
Home insurance guaranteed theft anywhere
Price
According to housing conditions
Opinion
Insures leisure equipment in the event of theft outside the home and in a foreign country
Quote
In agency
bike-matmut-insurance
Option Theft by snatching or following an assault anywhere
Price
From 12 € per month (online quote)
Opinion
Compensation capped at € 1,500
Quote
In agency
gmf bike insurance logo
Optional guaranteed home insurance Theft
Price
According to housing conditions
Opinion
48-hour period for declaring the claim from its occurrence or from the day on which the victim becomes aware of it
Quote
In agency

    Compensation is very often capped and you will only be able to report one theft per year. For example, if your bike is withdrawn from you after one month of insurance, you will not be able to cover your new machine until the following year with the same insurer.