Second-hand bikes of any age can be insured if they do not require registration or mandatory insurance and if proof of ownership and bike value are provided. Eligible documents include a bill of sale, original retail invoice, bike shop valuation, or online proof of value. Bikes that are self-built, significantly modified, used for competition, commercial, or already damaged are not eligible for insurance.
How can I insure a second-hand bike?
You can insure a second-hand bike of any age if it meets certain conditions and you provide the necessary documentation to prove ownership and value.
What are the eligibility requirements for insuring a second-hand bike?
A second-hand bike can be insured if all the following apply:
The bike does not require registration or mandatory insurance, meaning it is not a motor vehicle or a scooter.
You can prove ownership with a document such as a contract or bill of sale.
You can verify the bike’s value by showing either the price you paid or the original new purchase price.
What documents are accepted to prove ownership and value?
You can provide one of the following types of documents:
A bill of sale, which is a written agreement between you and the seller including the date of sale, purchase price, and bike details (make, model, frame number).
The original retail invoice from when the bike was first bought, if available.
A valuation from a bike shop estimating the current value if you do not have the original invoice.
Online proof of value such as screenshots and links showing current market prices for the same bike model.
Which types of second-hand bikes are not eligible for insurance?
We do not cover the following bike types:
Self-built or significantly modified bikes.
Dirt or race bikes used for competition.
Commercial bikes, including rental or delivery bikes.
Bikes that have existing damage or known issues.
Why should I provide documentation early?
Providing the required documents during or shortly after activating your insurance helps ensure faster processing of any future claims.
How can I get more assistance regarding second-hand bike insurance?
You can contact our support team for more assistance or additional resources.
We recommend uploading the required documents during or shortly after activation. Having these available in advance helps ensure faster claim processing!