How to ensure your bike against theft? Our advice | April Moto, Flight insurance for a bicycle: Price and details |

Bike flight insurance: Price and details

For any type of bike under 1 year.
Any accredited anti -theft of the “U”, “chain” or “folding” art type, allowing to attach the bicycle frame to a fixed attachment point. On the Belgian market, you will find many padlocks that wear the art quality label.

How to ensure your bike against theft ? Our advices

Author's photograph

Today, more and more French people favor cycling for their professional trips as personal. This more eco -responsible alternative, but both more pleasant during sunny days, has many daily advantages. However, whether you opt for a city bike or a VAE, you are not immune to a flight, which is why you are offered to youEnsure your two-wheeler. April Moto guides you to understand How to ensure your bike. In addition, even if the chances seem less, bicycle flights are actually frequent, especially in town. This is why we guide you more particularly in your approach to ensure your bike against theft, in all simplicity.

In summary

Make your bike against the flight

With an average of 500,000 bicycle flights per year, it may be relevant to subscribe to the flight insurance according to the value of your bicycle. At April Moto, we compensate you in the event of theft but also in the event of attempted theft.

And if your bike is stolen ?

If you are flying your bike, you must first file a complaint at the police station then declare the flight to your insurer. Certain documents will then be requested in order to be able to benefit from compensation.

The good April Moto plan

In addition to covering your bike against theft and material damage, April Moto Moto Complete your injuries suffered following a responsible bodily accident thanks to the bodily protection of the cyclist For only € 3.17/month.

Today, more and more French people favor cycling for their professional trips as personal. This more eco -responsible alternative, but both more pleasant during sunny days, has many daily advantages. However, whether you opt for a city bike or a VAE, you are not immune to a flight, which is why you are offered to youEnsure your two-wheeler. April Moto guides you to understand How to ensure your bike. In addition, even if the chances seem less, bicycle flights are actually frequent, especially in town. This is why we guide you more particularly in your approach to ensure your bike against theft, in all simplicity.

Summary

  • Why ensure your bike against theft ?
  • How to protect your flight from theft ?
  • Flight and home insurance insurance: which covers me ?
  • Flight insurance: what a walk to follow after being robbed of your bike ?
  • How much is bicycle flight insurance ?
  • Bike flight: Ensure your bicycle with ease with April Moto Moto

Why ensure your bike against theft ?

First of all, it is important to note that ensuring your bike against theft is not an obligation for conventional bikes and electric assistance bikes (VAE). However, strongly recommended, the latter will reassure you and protect you if such an event were to occur. Flight insurance will be most judicious when it comes to a bicycle whose price is high, or simply if it is your only means of transport.

In France, bicycle flights are particularly frequent, with an average of 500,000 stolen bikes each year. We also note that, in large metropolises such as Paris, the majority of vehicle flights concern bikes.

How to protect your flight from theft ?

Subscribe to theft insurance of you does not exempt from protecting your bicycle from the possible attempts to theft. On the contrary, the absence of these provisions can in particular prejudice you. Indeed, the majority of Flight insurance will only offer you care on condition that your bike has been attached to the help of a certified anti -theft, namely that certain insurers require a Particular anti -theft model, especially for electric bikes.

In addition, you will also be able to mark your bike with a bicycode. By means of it, your two-wheeler is saved in a database allowing the gendarmerie to find this. This code also allows Determine if a used bike is actually not a stolen bike.

Flight and home insurance insurance: which covers me ?

When we talk about bicycle theft, we distinguish two major cases. At first, your two-wheeler may be stolen from your accommodation or one of your outbuildings. In this case, it is the home insurance that is concerned, provided, however, that the flight conditions meet the insurance contract clauses. If the flight took place outside the home, as is most often the case, you would be covered by your flight insurance, if you had taken a.

Thus, two solutions are available to you about the flight insurance of your bike. On the one hand, you will be able to add an option regarding outdoor flight to your home insurance. On the other hand, you can subscribe to specific insurance whose objective will be to cover you in the event of theft.

Flight insurance: what a walk to follow after being robbed of your bike ?

Subscribe to flight insurance will allow you to be covered if a flight or attempted flight were to arrive. So as to take advantage of this insurance by insurance, a certain approach should be followed. First of all, a complaint should be filed with the police station or the gendarmerie, within 24 hours. Once this one has been made, you will have to declare your flight to your insurer organization. So as to be able to receive the allowances, you will be asked to bring together certain documents and information to be transmitted to your insurer:

  • The insurance contract number
  • A copy of the complaint filing
  • Photo, bicycle invoice and anti -theft invoice
  • An explanation of the circumstances of the flight with as much details as possible

Once all the supporting documents have been provided, the reimbursement of your bike takes place. The amount of compensation, on the other hand, depends on various factors. We cite in particular:

  • The seniority of the stolen bicycle
  • The reimbursement ceiling
  • Franchise
  • Compliance with the general conditions of your insurance contract

From one insurance contract to another, the terms are likely to vary, which is why it is recommended to compare the various offers on the market before subscribing to bicycle flight insurance.

How many bicycle flight insurance ?

If your insurance allows you to be compensated in the event of a flight, it has a cost that is essential to provide. Generally monthly, the latter sees its price fluctuating according to certain criteria. Among them, we first find the type of bike in question. Indeed, a Classic city bike will have much less expensive insurance than a electric bike or that a cargo bike whose value is generally higher. In addition, the purchase price of the bicycle as well as the use of the latter can also be taken into account.

Bike flight: Ensure your bicycle with ease with April Moto Moto

So that you can fully enjoy your bike, without worrying about the risk of theft, it is essential to subscribe to insurance with a trusted organization that will offer you a most advantageous contract. Among them, we can notably quote April Moto, a must-have in two-wheele. Specialized in guarantees for motorcycle, scooter, electric scooter and bicycle, the latter will be able to offer you flight insurance for your bike, regardless of the type of model with which you ride.

For the bicycle flight, April Moto compensates you in two cases:

  • Flight: Compensation with frankness of 5% of the bicycle purchase value (provided that its price TTC exceeds 100 euros)
  • Flight attempt: compensation with frankness of 10% of the bicycle purchase value (50 euros TTC minimum)

In a few clicks on the April Moto site, you will have the possibility of quote. To do this, you just have to answer a few questions about your two-wheeler: the type of bicycle (classic, VAE, Cargo, etc.), the bicycle brand, the value of purchase of the latter as well as the date on which it was purchased. In just a few minutes, you will have the possibility of making a quote that meets your needs in terms of guarantees for a covered bicycle against all flights and attempted theft. Note that if you want greater coverage, the organization also offers guarantees for material and breakage damage, natural disasters, technological disasters, as well as bodily protection of the cyclist.

Bike flight insurance: Price and details

Bike flight

And this concerns only the declared flights of insured bikes, that is to say a tiny part of reality.

It is therefore strongly recommended to Subscribe bicycle insurance To benefit from the advantages you will benefit from if your bike was to be stolen. For this you must absolutely keep the invoice for purchase your bicycle + of the padlock (to prove that it met the required security requirements) + own the key of the padlock and have filed a police complaint.

Examples of the price of the flight insurance of a new electric bike worth 2.€ 000 in Belgium. Simulations carried out in good faith and subject to error using calculators of bicycle insurance companies on 15.06.2022

Having your bike engraves more difficult in the event of theft and allows you to find its owner:

Hence the importance of recording your bike on My Bike Brussels to allow the owners of stolen bikes. Although they are difficult to find.

Their market value has also increased sharply. “We went from several hundred to several thousand euros for a bicycle”.

What to do in the event of a flight to be compensated ?

For most insurers, these 4 actions will be requested to be able to benefit from your refund:

  • Place the police complaint within 24 hours to 48 hours depending on the company (this can be done online)
  • The number of the minutes and a copy of the hearing sheet within 8 days the facts.
  • The purchase invoice in the new condition of your bike and the accessories fixed there.
  • All the records of the padlock and the battery key if the insured bike is electric.

Here are insurers who offer bicycle insurance and some details specific to them to take out insurance:

Allianz Assistance

Anti-theft authorized by them, that is to say a solid anti-theft, these are safety chains, U UNCIs and folding anti-thefts with a purchase value of minimum € 30. The purchase of the anti -theft must be able to be proven by means of proof of purchase or an invoice. The date of purchase of the anti -theft must be prior to the date on which the insured bicycle was stolen. Your bike is reimbursed 100% for 3 years, 75% after 4 years, 60% after 5 years, 45% after 6 years, 35% after 7 years, 25% after 8 years and 20% after 9 years.

DVV Insurance

For the flight warranty, a 2 -star (or more) or Solde Secure Gold / Silver certified Certified Certified Paddle allowing you to hang the bike at a fixed attachment point is compulsory. The purchase bill will be required. If your bike within 2 years, it fully reimburses its purchasing value.

Yuzzu

No deductible, your bike retains its purchasing value for the first 2 years. The bicycle must be attached to a fixed element by a U -type, chain or en -foldable art padlock with minimum 2 stars.

Ethias

A € 200 franchise applies to the insured people domiciled in postal codes between 1000 and 1299.

Ethias’ reimbursement varies according to the age of the bicycle:

  • First year: no loss of value (0 %depreciation)
  • From the 13th month: -1 % per month of the value ensured (with a maximum depreciation of 75 %).

The bicycle must be maximum 2 years when this warranty starts (the date of purchase in the new state acts as a reference). In the event of the flight of the bicycle, you will be asked to send us the purchase invoice in the new condition and all the records of the padlock (which must have a purchase value of minimum € 60, whatever the type).

Axa

For any type of bike under 1 year.
Any accredited anti -theft of the “U”, “chain” or “folding” art type, allowing to attach the bicycle frame to a fixed attachment point. On the Belgian market, you will find many padlocks that wear the art quality label.

Qover me

Reimbursement of the stolen bicycle at its purchase price for 3 years.
The insurer covers all types of two or three -wheeled bikes which can only be set in motion by muscle force and remain so provided that the assistance speed, if necessary, stops at 25 km/h.

It also covers used bikes provided that they have less than 12 months when purchasing insurance. For all second -hand bikes and bikes that have more than 30 days of seniority, he will ask you to send them recent photos of your bike when subscribing to the insurance.

He provides bikes from € 250 to 10.000 €.

The bike must be locked with an approved bike padlock either abuse (safety 10 or higher), or art (category 2 or higher), or fub (2 wheels or higher), or SILVER SELVER (or GOLD) and used in accordance with manufacturer’s instructions and have been attached to a fixed point during its flight.

P&V Insurance

The insured is required to use an anti -theft system in accordance with the requirements imposed on the special conditions (n ​​anti -theft approved art 2 stars (guaranteed value of less than 5.000 € VAT) or 3 -star art (value guaranteed from 5.000 € VAT). The insured vehicle must also be attached to a fixed attachment point.

During the first twelve months of the coverage, you recover 100 % of the value of your bike as indicated on the purchase bill, the amount of compensation then decreases by 1 % per month.

CBC

He fully reimburses the insured amount of the bicycle up to 12 months after the date of purchase. The price billed for the bicycle must be between 600 and 10.000 € (bike and accessories included). It requires preventive measures such as the use of an approved category 2 or higher art padlock or a Gold/Silver type Bicycle Sold Secure padlock.

AG Insurance

In order to be covered in the event of theft, the framework of the insured object must be attached to a fixed attachment point by means of a referenced anti -theft authorized by AG.

AG accepts the following types of padlocks: chain, U or foldable padlocks:

  • A 2 star approved art padlock.
  • Or a minimum value of € 60 VAT included.

A fixed attachment point is a fixed, motionless and hard part in stone, metal or wooden part, connected to a solid wall or to the floor and from which the insured object cannot be detached or be detached, even by lifting it.

During the first year, you will be reimbursed at 100 % of the value of your bike, after, the value decreases by 1 % per month.

From the 5ᵉ year, the reimbursement is made via the actual value of the bicycle.