What are the guarantees of bicycle insurance?
Specialized insurers offer several more or less expensive and comprehensive formulas. Overall, the 3 main guarantees that you can have basic are the following:
insurance against breakage of your bike, if it suffers damage in the event of a fall, accident, vandalism, etc.;
insurance against theft (“classic” theft or theft with mugging);
assistance guarantee: repatriation of your bike in the event of a problem and dispatch of a taxi to pick you up.
In addition, you will be able to subscribe to options, such as for example a guarantee for the breakage of your cycling equipment, a “no obsolescence” option (new replacement), a guarantee for use in competition, etc.
What insurance in the event of a bicycle accident?
If you cause or are the victim of a bicycle accident, several insurance contracts may apply:
your Civil Liability cover if you are responsible for the loss and you have to compensate a third party;
Civil Liability of the motorist or motorcyclist who caused the damage to you (via their car or motorcycle insurance);
Civil Liability of a pedestrian or another cyclist (via their home insurance contract).
If you fall alone and no liability is incurred, you will be compensated for your medical and / or hospital costs by your social protection and your mutual health insurance, or even your Accident of Life Guarantee if the fall results in permanent disability. .
If your child is the victim of a bicycle accident, be aware that many school insurances cover this risk. Ask your insurer!
A dedicated bicycle or electric bicycle insurance would also allow you to request the repair or reimbursement of your 2 wheels: the insurer will then cover the replacement or repair costs (parts and labor invoiced by the workshop) . By going through a company partner, you won't even have to pay the costs.
Regarding the insurance of electric bicycles, it should be checked that Civil Liability does not apply exclusion. We advise you to check it with your insurer.
How to choose your competition bike insurance?
Are you an avid cyclist and want to take out insurance for your competition bike? If you are licensed in a club, racing bike insurance may be required. Civil liability is then taken out by joining the federal contract with the French Cycling Federation.
Bodily insurance can optionally be taken out in accordance with Article L. 321-4 of the Sports Code. Additional individual guarantees can also be taken out under the Mini Braquet, Petit Braquet and Grand Braquet formulas.
Our ranking of the best bike insurance offers you an overview of the best coverages for racing bikes. Save time!
Our tips to make your bike insurance easier!
remember to keep the invoice for your bike since it will be requested for your compensation in the event of theft;
Have your bike engraved: this is the best way to find your bike and to prove your good faith to your insurance. For a small fee (between 5 and 10 €), you can register your bike (or electric bike) in a national register.
consider using a bicycle lock approved by your insurance (examples: ABUS, KRYPTONITE, AXA) and attaching your bicycle by the frame and one of the wheels to a fixed point; If you do not prove to your insurer the purchase of such a system or if you are not able to guarantee that you have properly secured your bike to a fixed point on the public road, the latter may reject your request. reimbursement in the event of theft.
Bicycle courier: what insurance to protect you?
The bicycle courier insurance arose recently when several platforms working with micro-entrepreneurs who now offer protection. If this is not your case, here is what you need to know to carry out your business as a courier with peace of mind:
Professional Civil Liability (RC Pro), compulsory for couriers: in the event of damage caused to your client;
Operational Civil Liability (Operational Liability), if you cause bodily injury or material damage to a third party;
legal protection, to defend you in the event of disputes following an accident;
insurance for your bicycle: via your home insurance or specific bicycle insurance.
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