Bicycle insurance is less useful if your bicycle is always kept in the shed.
In principle, you are not obliged to take out additional insurance to travel by bicycle. No insurance is required by law. Still, it's handy, because something can always happen. The liability insurance provides financial cover for material or physical damage caused by you or someone for whom you are liable in the context of your private life. Handy if you ride a bicycle, because a scratch on a car is quickly made. And even if you unexpectedly hit a pedestrian, you are in the right place with such insurance in almost all cases.
liability
The liability insurance insures the damage to belongings of non-insured persons that you cause with your bicycle. An example: you accidentally cause a collision with another cyclist with your racing bike. There is damage to both bikes. Then you are insured for damage to the other person's bicycle. Does the cyclist accidentally fall as a result of the collision? Your liability insurance also covers personal injury that you caused to the other cyclist. You are also insured if co-insured persons, such as your partner and children, accidentally cause injury to others or damage to other people's belongings with their bicycle. For example, if your child looks back on his bicycle and runs into a parked car. Always consult your own liability insurance, because the conditions may differ per insurer.
theft insurance
What is the risk of your bike being stolen? To answer the question whether bicycle insurance is useful, the Consumers' Association even has a movie posted on its website. Apparently many people struggle with the question. In that video, employee Marc Drabbe says that bicycle insurance is useful if you have bought a very expensive bicycle.
"If you bought a bicycle with your last money and it is stolen, it is nice if you get a new one. But bicycle insurance is less useful if you have a cheaper bicycle or a bicycle that you always put in the shed. "
Damage caused by a bicycle accident is covered by third-party liability insurance. This therefore covers your damage. This concerns the damage to the bicycle, but also the personal injury. Has your bicycle been stolen from your home or shed? In most cases, it is covered by your home contents insurance. You must be able to demonstrate that your bicycle and the shed or house in which the bicycle was kept were locked.
