You can insure a second-hand bike of any age, as long as it meets a few simple requirements and you have the right documents in case you need to make a claim.
Your bike can be insured if:
It doesn’t require registration or mandatory insurance (so not a motor vehicle or scooter)
You can show proof of ownership (e.g, with a contract or bill of sale)
You can verify the bike’s value by showing either what you paid or the original new price
What documents do I need?
To ensure coverage, please provide:
Bill of Sale (recommended)
A written agreement between you and the seller, including:
Date of sale
Purchase price
Bike details (make, model, frame number)
Original Retail Invoice
The original purchase invoice from when the bike was first bought. This is the ideal option if the previous owner still has it.
Valuation from a Bike Shop
If no original invoice is available, you may request a bike shop to provide an estimated current value of the bike
Online Proof of Value
In some cases, screenshots or links showing the current market price of the same bike model will be accepted
Which bikes aren't eligible?
We unfortunately cannot cover:
Self-built or significantly modified bikes
Dirt or race bikes used for competition
Commercial bikes (like rental or delivery bikes)
Bikes that are already damaged or have known issues
We recommend uploading the required documents during or shortly after activation. Having these available in advance helps ensure faster claim processing!