Bike insurance covers you for a range of insured events, for example, theft, damage, and wear and tear. Below you will find more details about what is and is not included in the scope of coverage.
We released an updated version of our bike insurance policy on July 31, 2024, which includes new terms and conditions. Below, you’ll find the applicable conditions based on the date your policy was purchased.
What’s covered
If you purchased your policy after July 31, 2024
Theft
Theft or robbery of your bike or e-bike
Permanently attached parts (like the saddle, battery, or odometer)
Loose accessories (helmets, bags, trailers), but only if they’re:
Stolen together with the bike, or
In use at the time of theft
Accessory limits per claim:
€300 per item
€600 for trailers
€1,000 total
Damage
Accidents, crashes, or falls
Vandalism
Fire, lightning, or explosions
Natural events (e.g., storm, hail, snow pressure, flood, landslide, volcanic eruption)
Moisture or electrical issues (motor, battery, or control unit)
Short circuits, cable breaks, animal bites
Handling or user errors
Material or design defects (after the 24-month warranty)
Wear and tear
Battery coverage:
Below 65% capacity in the first 3 years
Below 50% between years 3–5
Other parts:
Wear-related repairs for up to 5 years after the bike’s original purchase
What’s not covered
Bikes over 5 years old at time of sign-up
Rust, oxidation, or surface-level wear
Cosmetic-only damage
Routine servicing, inspection fees, or poor maintenance
Damage from racing or downhill use
Damage from improper repairs or modifications
Manufacturer faults or recalls
Bikes that were already damaged when the policy began
Bikes that require license plates or mandatory insurance
If you purchased your policy before July 31, 2024
What’s covered
You chose either the Basic or Comfort plan;
Basic plan
Theft, burglary, or robbery
Theft from a vehicle or bike rack
Loosely attached accessories (if stolen with the bike)
Replacement of permanently attached parts
Comfort Plan includes everything in Basic, plus:
Damage
Accidents, crashes, vandalism
Fire, lightning, or explosions
Storms, hail, floods, avalanches, or landslides
Handling or operating errors
Production or design defects (after the 24-month warranty)
Wear and tear
Battery capacity under 65% (first 3 years) or 50% (years 3–5)
Wear-related repairs for up to 5 years after the original purchase
What’s not covered
Second-hand bikes
Bikes not bought from an official dealer
Bikes with auxiliary motors (drive assistance)
Bikes purchased more than 6 months before the insurance start date
Carbon bikes, fully-covered bikes, velomobiles, or dirt bikes
Self-built or modified bikes (if converted parts exceed 20% of the bike’s value)
Commercially used bikes (e.g., rentals, delivery)
Bikes worth more than €10,000
Bikes already damaged before the policy started
Bikes requiring registration or mandatory insurance
Bikes purchased from private individuals