Bicycle insurance: why and how to insure your bike

Introduction

An uninsured €5,000 road bike is a considerable financial risk. Theft, accident, breakage: the risks are real. Here's why and how to insure your bike.

Why insure your bike?

  • Theft: 400,000 bikes stolen per year in France
  • Accident: fall, collision, material damage
  • Breakage: cracked frame, damaged components
  • Civil liability: if you injure someone while cycling

Insurance options

Home insurance

Some home insurance policies cover bicycles up to a certain amount. Check your contract and conditions (theft with forced entry, maximum value).

Specific bike insurance

Specialized insurers offer contracts dedicated to valuable bicycles:

  • Luko: home insurance with integrated bike cover
  • Bikmo: bike specialist, worldwide coverage
  • Velosurance: ideal for high-end bikes

Premium credit card

Some Visa Infinite or Mastercard World Elite cards cover bikes purchased with the card. Check the conditions.

Bicycode marking

Bicycode marking is a unique identifier engraved on your bike. It facilitates recovery in case of theft and is required by some insurers.

Conclusion

Insuring your bike means protecting your investment. And storing it on a David & Clément wall mount indoors significantly reduces the risk of theft.