We released an updated bike insurance tariff on July 31, 2024 with different terms & conditions. Some requirements only apply to those policies purchased before this date and are noted below.
Theft
Police report: filing one is required for theft claims. It should always list all items stolen, including the bike's frame number and make/model. We recommend doing so as soon as the incident has occurred!
Invoice + receipt for the bike purchased to replace one: while we can file a claim for you as soon the theft occurs, you must purchase a replacement bike and provide proof in order to get reimbursed for it. (only policies before 31.07.2024)
You should purchase a bike that is similar in price, style, and quality of the one you are replacing.
Picture of where theft occurred.
Description of the theft: the more detail you can provide the better. Tell us where you locked it, what it was attached to, the date/time when you first parked it, and the date/time when you discovered the theft.
Invoice + receipt for your bike lock is required. (only policies before 31.07.2024)
Damage Due to Third Party Involvement (Vandalism, Accident)
Police report is required. It should always list all items stolen, including the bike's frame number and make/model.
Proof of total loss by store or repair shop if bike is beyond repair.
Invoice + receipt for replacement bike or part(s).
In cases where bike parts were repaired and/or replaced, the invoice should separate the cost of the parts and labor.
Description of the accident, including as much detail as possible (time, location, what exactly happened, extent of damage). A simple sketch of the accident is also a good idea to include.
Photos of all relevant damage.
If bike was vandalized while locked up, we need the invoice + receipt of bike lock (only policies before 31.07.2024)
Damage Not Including Third Party (General Wear and Tear, Solo Accident)
Photos of damage.
Description of damage with as much detail as possible (bike part(s) damaged, how and when the damage happened).
Invoice + receipt for replacement part(s), with cost of parts and labor separated. Important: cost of inspection is not covered, only the cost of repairs or replacement of damaged parts.