Bike: know everything to ride well insured

In the city as in the country, cycling is a simple and ecological mode of transport. In addition, no insurance is compulsory, including on public roads. So in case of an accident, how is it going?

While motorized two-wheelers have a driving license and insurance obligation, even electric bikes do not have it. However, serious accidents can happen. We must therefore think of his, even his assurances. Especially if you drive regularly in the streets and on the roads.

Liability insurance

Anyone on bicycle, on foot or by car must repair the damage done to others. This is called civil liability. In the car it is the car insurance that covers it and it is obligatory. By bike (and on foot), the civil liability is covered by the comprehensive household insurance. Thus, if you spill someone or break something, compensation for your victims is covered by this insurance contract.

The bodily injury of the cyclist

As a victim of an accident, it is up to the insurance provider to compensate you. His car insurance if he is in the car and his general insurance if he is on a bike or on foot. In case of dispute, your own comprehensive homeowners insurance policy has legal protection that will help you defend your rights.

To note

The Life Accident Guarantee (GAV) also covers bicycle accidents. It can be interesting in case of fall "all alone".

Bike insurance

In addition to accidents, theft and damage to bicycles are so common that insurers refuse to guarantee them, including in the context of comprehensive household insurance. For them to be properly covered, they need a real dedicated insurance policy, with a specific contribution (usually around ten euros a year). As with any vehicle, it is the value of the bike and its frequency of use that determine whether the insurance seems relevant to you.

Our advice

For electric bicycles, remember to check the fire warranty. Indeed, the battery can catch fire and burn a whole building.