When hiring bicycle insurance it is essential to know what we are looking for based on our needs and our profile as a cyclist.
But it is also necessary
Compare the different coverage offered by insurance companies and the prices they offer for all of them. In this way we will not only have clearer what is the insurance that best suits what we really need, but we will also avoid paying more.
Some insurers choose to offer basic packages to ensure a bicycle, to which they can be added
different coverage and extras. Others offer closed packages that go from less to more.
Most of the large insurance companies working in Spain have been bicycle insurance for years. The competition between them can get good prices in exchange for good services.
To this we must add
The bonuses made to customers who hire several insurance (Home, car, car, etc.), discounts on specific dates or special promotions for some types of clients.
What is the best sure I can hire?
First, it must be said that
The best bicycle insurance is the one that best suits our needs as a cyclist. It is a mistake to want to save in this concept if, for example, we have a bicycle that has a high value and fear that they can steal it.
Mapfre bicycle insurance offers a biomechanical study of the pedaling and an osteoarticular analysis.
Another frequent mistake is to do just the opposite. That is, hiring many additional clauses for a bicycle whose use will be sporadic. The rule is simple: hire the coverage you really need. No more no less.
For example, what is the use of assistance insurance abroad if you are not going to travel with your bicycle to other countries?
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In Tuvalum we have done
A comparison of the different bicycle insurance that you can hire in Spain. Next, we show you the coverage they offer and their prices. You can compare them to get your own conclusions.
Axa Seguros
This company offers excellent coverage to ensure a bicycle for a competitive price, since the minimum annual amount is
24.15 euros.
Your insurance, which is called
Biciflexible, is designed so you can add additional coverage to the basic package.
With this company you can enjoy the civil liability insurance coverage, travel assistance, rescue and rescue expenses, defense and legal protection, personal accidents, plastic and repair surgery, personal assistance and theft and bicycle damage.
Mapfre
Mapfre sum, to the usual coverage for bicycle insurance, the possibility of hiring what he calls
Extra -contractual civil liability, which consists of including this section as a private person while using the bicycle, with two options to choose for the insured sum: 150,000 or 300,000 euros.
Another of its novelties is that it offers two additional services:
A biomechanical study of the pedaling and an osteoarticular analysis on a stretcher with study to check the comparative power of one leg with another, as well as the high speed filming of the footprint and a monthly review of all this.
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To this you can add the realization of an ergometry and the consequent consultation with a professional for analysis. As for the price, Mapfre adjusts it in each particular case; Of course, on your website you remember that it offers
5% discount on the premium if the helmet is used.
Insurance
From 22.50 euros a year, this company specialized in bicycle insurance offers very complete coverage:
- Theft of the bicycle and its extras.
- Travel assistance for both the cyclist and for the breakdowns suffered by the bicycle.
- Civil Liability Insurance for third parties up to 150,000 euros.
- Death and disability.
- Reimbursement of expenses in medical services from 2,000 euros.
- Claim of damages.
- Legal assistance and management procedures.
- Repair plastic surgery per accident, with a maximum compensation of 1,500 euros.
Run Bike Protect
Run Bike Protect It is another company specialized in outdoor sports insurance (running, skiing, triathlon, cycling, etc.). As in the rest of the cases, its basic packages includes civil liability and both the coverage of damage to incident and for the subtraction of the vehicle.
It offers national and European coverage, with it we can ensure 100% of the value of the bicycle in damage by accident and in case of theft. Its price starts from 28 euros per year, although it offers occasional discounts.
Intermundial
Intermundial It is a company that focuses its activity on the world of travel insurance, but that is also very competitive in the sports insurance sector, and specifically in bicycle insurance.
It is a very interesting option if you travel regularly with your bike abroad. You can hire
Insurance that covers you throughout Europe or around the world.
From only 11.46 euros per month it is possible to hire a European policy with civil liability to 100,000 euros, expenses derived from medical, surgical and hospitalization care, as well as rescue and repatriation, among others.
The particular conditions of the policy, such as the coverage areas, will be the ones that determine the final price of the insurance.
What coverage offers the insurance of cycling federations?
Do not forget that if you are covered by the bicycle insurance offered by each regional federation. Having a federative license already guarantees coverage in several sinister related situations.
In exchange for the payment of the amount set by each federation, as a cyclist you will have coverage for the
Mandatory accident insurance, what in practice is equivalent to the insurance will face the positions derived from the health care you receive, including the transfer of emergency services to the scene of the accident and the entrance to the hospital if necessary.
The mandatory accident insurance also covers the payment of compensation for injuries, disabling or not, arising from an accident.
Another key coverage that guarantees the federative license is that of the
Liability insurance. This means that if we cause physical or material damage to a third person in an accident, and we must compensate for them, the insurance company will take charge up to a maximum amount of 1.2 million euros.
One of the reasons why many cyclists choose to federate is because
The insurance obtained with the federative license is not limited to the competition days, but they extend to training days and other recreational exits.
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(Note: This post has been prepared in January 2019. The prices, coverage and conditions of the described insurance are subject to the modifications made by the insurance companies over time)
