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Do we have to make sure when riding a bicycle?

Verified 05 juillet 2021 - Legal and Administrative Information Directorate (Prime Minister)

It depends on the type of bicycle you use (conventional or power-assisted bicycle - VAE), its power and speed.

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Unattended bicycle

It is not mandatory to subscribe to insurance for riding a bicycle. Nevertheless, you must repair the damage you cause to others. You can subscribe to the guarantee liability for that. To cover your own damage and that of your bike, you can subscribe to accident guarantee. It can be completed with the warranty theft and damage or guarantee legal protection.

Civil liability guarantee

Insurance liability covers damage you can cause to others, including when using a bicycle.

It is included in multi-risk contracts. It also covers your family members who live under your roof, especially children.

If you do not have a home risk agreement, you can enter into a contract with the warranty liability to an insurer.

  Please note : if you cause an accident by driving your bicycle and have no insurance liability, you will have to personally pay for the damage you have caused.

Accident Guarantee

If, as a cyclist, you are injured in an accident involving a motor vehicle (car, scooter...), you will be compensated by the insurer of the person responsible for the accident.

This compensation covers all your personal injury, unless you have committed inexcusable fault.

Your property damage will only be compensated according to the circumstances of the accident.

If there is no person responsible for the accident, the management of your damage will depend on your personal insurance.

You can purchase insurance individual accident which may include, in particular:

  • Daily allowances for work stoppage
  • Reimbursement of care expenses
  • Payment of capital in case of invalidity or death
Flight warranty and bike damage

Compensation for bicycle theft or damage is low in insurance contracts classics.

To guarantee this risk, you can subscribe to a specific contract, such as a multirisk bicycle. It guarantees theft and damage to your bike due to an accident or a fall.

It is important to check the terms of the contract, as some contracts exclude the guarantee of a bicycle whose value exceeds a certain amount.

Legal protection

With legal protection, your insurer will defend you in court in case of an accident dispute.

He or she will take care of the necessary steps and expenses to ensure that you are compensated if you are entitled to it.

This guarantee is useful in case of an accident, if the author of the damage does not want to acknowledge his responsibility.

VAE not exceeding 250 w and not exceeding 25 km/h

Insurance is not required for bicycles with electric assistance whose power does not exceed 250 w and whose assistance is not activated beyond 25 km/h.

Nevertheless, you must repair the damage you cause to others. You can subscribe to the guarantee liability for that. To cover your own damage and that of your bike, you can subscribe to accident guarantee. It can be supplemented with other guarantees.

Civil liability guarantee

Insurance liability covers damage you can cause to others, including when using a bicycle.

It is included in multi-risk contracts. It also covers your family members who live under your roof, especially children.

If you do not have a home risk agreement, you can enter into a contract with the warranty liability to an insurer.

Accident Guarantee

If, as a cyclist, you are injured in an accident involving a motor vehicle (car, scooter...), you will be compensated by the insurer of the person responsible for the accident.

This compensation covers all your personal injury, unless you have committed inexcusable fault.

Your property damage will only be compensated according to the circumstances of the accident.

If there is no person responsible for the accident, the management of your damage will depend on your personal insurance.

You can purchase insurance individual accident which may include, in particular:

  • Daily allowances for work stoppage
  • Reimbursement of care expenses
  • Payment of capital in case of invalidity or death
Flight warranty and bike damage

Compensation for bicycle theft or damage is low in insurance contracts classics.

To guarantee this risk, you can subscribe to a specific contract, such as a multirisk bicycle, which guarantees theft and damage to your bike caused by an accident or a fall.

It is important to verify the terms of the contract, as some contracts exclude the guarantee of an ETA.

Legal protection

With legal protection, your insurer will defend you in court in case of an accident dispute.

He or she will take care of the necessary steps and expenses to ensure that you are compensated if you are entitled to it.

This guarantee is useful in case of an accident, if the author of the damage does not want to acknowledge his responsibility.

VAE with power exceeding 250w or speed exceeding 25 km/h

Insurance is mandatory for VAEs with a power exceeding 250w or a speed exceeding 25 km/h, as they are treated as motorcycles. The insurance to be subscribed is same as for a motorcycle.