To drive any vehicle on public roads in France, you must have a valid licence and insurance.

France and the rest of Europe drive on the right side of the road, so remember that the Right Side is the Right Side. Take proper care to rejoin the right side of the road after refuelling or any other stop.

Priority a Droite applies to ALL unmarked junctions, which means that even on a fast road, a vehicle approaching from the right has the right to pull out in front of you! Why? It’s a low-cost traffic-calming solution. Fortunately, major roads have signs that indicate where this rule does not apply. French sign information is available here.

Stop signs are commonly used as a traffic calming solution and are frequently used in places where they make no sense. Before proceeding, you must stop for at least one second (riders must put one foot down). Take extra precautions at the end of the month, as many officers have monthly goals to meet.

Which Is The Best Bicycle Insurance In France?

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Qover

Qover is a European insurance company that provides various insurance products, the most notable of which is bicycle insurance. Hundreds of thousands of happy customers have already put their faith in Qover.

Over 200 bicycle shops trust Qover. Protect your bike from theft and material damage, and enjoy 24-hour emergency assistance. You can now get a quote for your bike insurance. Jump to Qover’s website here.

Insurance Packages

Theft + Assistance

€/year & €/month

Covers:
  • Theft of your bicycle
  • 24/7 assistance – Towing your bike in case of puncture or accident
Not Covers:
  • Vandalism or accident
  • Total loss

*Depreciation is applicable from the 4th year onwards

Omnium

€/year & €/month

Covers:
  • Theft of your bicycle
  • 24/7 assistance – Towing your bike in case of puncture or accident
  • Vandalism or accident
  • Total loss

*Depreciation is applicable from the 4th year onwards

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How Do They Help Protect Your Bike?

Before purchasing the contract, it is mandatory to read the information document on the insurance policy. You can read more about Qover Bike Insurance here.

24/7 Assistance

Did your electric bicycle’s battery die sooner than expected, or did you get a flat on the road? You are not required to push your bike all the way home!

If you encounter difficulties on the road (accident, puncture, battery, theft, etc.), They will send you a tow truck that will take you and your bike back home or to a repair shop.

Theft Protection

You went out for a drink, and it was stolen despite properly locking your bike? They refund its full value minus the deductible.

They also pay for your taxi home (up to €500).

Material Damage Protection

If the damage amount exceeds the deductible during the first three years, they will pay in full for repairs to your bike caused by a flood, accident, vandalism, fire (e.g. battery), and other external events.

They know that you don’t go anywhere without your bike. As a result, they will reimburse you for the cost of renting a replacement bike for a maximum of 15 EUR (incl. VAT) of cost per day. This is only applicable for a maximum of three consecutive days.

Exclusions

  • The bike must have been locked with an approved lock, such as a Sold Secure Silver (or Gold), FUB (2 wheels or higher), VdS (A+ or B+), the ABUS (security ten or higher), the ART (category two or higher), Onguard, or SRA, and must be secured to a fixed point during the theft.
  • If wheels, tyres, or electric batteries are stolen apart from the bike, they are not covered.
  • Cosmetic damages (scratches, bumps, and so on) are not covered.
  • Damage incurred from participating in a cycle race is not covered.
  • Check the full list of exclusions in their general terms and conditions.

Why Qover?

95% of their customers are satisfied with their services! Their customer satisfaction rate is certified by Zendesk Customer Service System.

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Fast And Easy Claim Processing

In just 5 minutes, you can file your claim online!

Their experts calculate your compensation amount as soon as they receive it.

They are here to help.

The Qover Experience

They provide full coverage, 100% digital, for a better price than their competitors.

Which Kinds Of Bikes Are Covered?

They apply to all two- and three-wheeled bikes that can only be started and propelled by human force, and whose assistance speed, if applicable, cannot exceed 25 kph.

They also cover used bikes if they are less than a year old at the time of purchase. When purchasing a used bike or a bike older than 30 days, they will request that you send them recent photos of your bike.

What Is Theft Insurance?

They insure bikes against theft and theft-related damage in the event of attempted theft or theft, as well as theft or attempted theft in the event of an assault.

What Is Material Damage Insurance?

They pay for physical damage to the insured bike:

  • Damage as a result of external forces or by yourself; 
  • Damage as a result of vandalism; 
  • Damage is caused by contact with natural events or animals, such as floods or fire. 

What Are My Obligations?

  • The bike should be locked with an approved bike lock, such as a Sold Secure Silver (or Gold), FUB (2 wheels or higher), VdS (A+ or B+), the ABUS (security ten or higher), the ART (category two or higher), Onguard, or SRA, and must be secured to a fixed point during the theft.
  • You must report the theft of your insured bike to the appropriate police authorities within 48 hours.
  • When filing a compensation claim, you must provide the purchase invoice for your bike and proof that you still had the keys to the bike lock when the theft happened.
  • You should file your claim immediately after the incident and within eight days of discovering the theft.
  • The information you provided when purchasing the policy must be correct.
  • If the bike is older than 30 days, you must provide photographs when purchasing the policy.

Where Does The Coverage Apply?

The theft and material damage coverage are valid for incidents occurring in E.U. Member States, Iceland, the United Kingdom, Northern Ireland, Andorra, Monaco, the Vatican, Liechtenstein, San Marino, Norway, and Switzerland.

Their assistance coverage is valid in France and within 20 kilometres of its borders.

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Can I Cancel My Insurance?

  • You can cancel the insurance contract on its main expiry date. You should notify them in writing at least two months before the mains’ expiration date.
  • You have every right to cancel the policy if they change the premium amount or the general terms and conditions.
  • After claiming compensation, you have one month to cancel your policy. The policy will expire one month from the date of notification.
  • You have 14 calendar days from the conclusion of the insurance contract or receipt of the contract documents to revoke your insurance contract.
  • After one year, you can cancel your insurance without charge or penalty. The cancellation takes effect one month after your notification.

Legal Mentions

  • Qover N.V., a non-tied insurance agent, authorised and regulated by the Financial Services and Markets Authority, manages the insurance contract (FSMA – Belgium – registration No. 0650.939.878). The registered office is Rue du Commerce 31, 1000 Brussels, Belgium. Qover N.V. is authorised to provide insurance distribution services in France based on their freedom to provide services.
  • Under Dutch law, Nationale-Nederlanden Schadeverzekering Maatschappij N.V. Prinses Beatrixlaan 35, 2595 AK ‘S-Gravenhage, Netherlands – Trade Register Number DNB 27023707, supervised by Nederlandsche Bank based on the freedom to provide services, Nationale-Nederlanden Schadeverzekering Maatschappij NV is authorised to provide insurance distribution services in France.
  • Europ Assistance N.A., a Société Anonyme governed by the Insurance Code, with its registered office at 1, promenade de la Bonnette, 92230 Gennevilliers, France, and registered with the Companies Register and Nanterre Trade under number 451 366 405, applicable through its Irish branch EUROP ASSISTANCE SA IRISH BRANCH, with its principal place of business at 4th Floor 4-8, Eden Quay, Dublin 1, Ireland, D01 N5W8. The ACPR (Autorité de Contrôle Prudentiel et de Résolution) supervises Europ Assistance S.A., located at 4 Place de Budapest CS 92459, 75436 Paris, France. The Irish branch follows the Central Bank of Ireland’s Code of Conduct for Insurance Undertakings and is registered in the Republic of Ireland under the number 907089.
  • Bicycle insurance is a type of non-life insurance (Branch 3). Bike assistance is a type of non-life insurance (Branch 18).
  • This agreement is for one year. It may be tacitly renewed a maximum of four times for one-year periods.
  • This insurance policy is governed by French law.

When Do I Need French Bike Insurance?

In 2018, 318,000 households in France were victims of bicycle theft. You see the stats in detail here.

If you recently bought a new bike in France, we highly recommend getting bike theft insurance. From personal experience, this insurance is super important. It is the only insurance I have used so far in my life.

Bike theft is a critical issue faced by bikes. After filing the claim, you can receive the full euros of your bike’s worth from your insurance and buy the same bike again.

Why Do I Need Bicycle Insurance In France?

Is insurance required for cyclists? Is it necessary to have insurance to ride a bike on the road? Is bike insurance effective against theft?

In short, it’s not required by law, but it might be a good idea.

If you want to protect your bicycle from theft and accidental damage, travel and race frequently, and be prepared for anything, investing in bicycle insurance is a good idea.

What Are The Different Options For Getting Bicycle Insurance?

Bicycle Insurance Connected With Your Home Contents Insurance Policy

The most common method of insuring your bike is through your home insurance. Immediate Media / Reuben Bakker-Dyos

The most common way to insure bikes is through home insurance. According to a BikeRadar survey conducted in April 2016, 75% of those who insure their bike do so through their home insurance.

The appeal is obvious; including your bike under home insurance keeps everything neatly tied up in one package and eliminates one thing to consider when it comes to renewal.

If you want a simple policy that covers the essentials, or if you wish to insure a cheap bike, it can also represent good value for money.

However, compared to specialist cover, insuring your bike on your home insurance has drawbacks, especially for the dedicated cyclist.

Specialist Bicycle Insurance

Specialist bicycle insurance policies are aimed at more serious cyclists.

It is possible to purchase insurance that will cover almost any eventuality imaginable, but for cyclists, the following are the main areas that will be covered by specialist insurance that home insurance will not:

  • Kit damage during racing
  • Families and multi-bike households
  • Lost race fees if unable to complete
  • Roadside assistance
  • Additional bike accessories
  • Minor to major personal accident cover
  • Cycle clothing
  • Public liability if you injure someone else

We’ll start by going over each of these, explaining what you should be aware of, and comparing the benefits of specialist bicycle insurance versus general insurance products.

What Kind Of Bicycle Insurance Coverage Do I Need?

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Bicycle Theft Insurance

Having your bike stolen is a terrible experience. According to a BikeRadar survey, the majority of respondents were primarily interested in bicycle theft insurance. This isn’t without reason. Bicycle theft insurance can help you regain the cost of a new bike if your bike is stolen, with many insurers offering to replace your old bike with a new one. Because it’s a competitive market, coverage is better than ever, and there are many policies to choose from, so shop around.

While any insurance provider will still expect you to do your due diligence, market leaders now pay out up to 95% of claims. If you do decide to insure your bike with your home insurance, the first step is to ensure that your policy covers it. Most policies will include a basic bicycle cover as part of the standard ‘personal belongings’ cover, but the maximum claim amount may need to be increased for the value of your prized possession.

Some insurance providers will allow you to increase the maximum value of your personal belongings, but it is best to speak directly with your provider to determine the level at which you can set that limit. The best policies can cost up to € 17,414 per year. This can significantly increase your premium, so shop around to ensure that specialist cover isn’t cheaper. It will include all the associated benefits.  Your home insurance policy may have very specific requirements for where and how you can store your bike.

Unless otherwise specified, most home insurance policies will only cover a bike if it is kept indoors or properly secured in a garage or shed. The disadvantages of this are obvious for cyclists who do not ride solely on a turbo trainer and prefer to ride their bike outside. However, some home insurance companies will allow you to extend coverage outside of the home. Some policies allow you to add ‘away from home coverage for a fee. Pay close attention to the details and ensure that your policy covers your bike while it is ‘in use.’ Some insurers will only cover the bike if it is stationary or being stored for accidental damage or theft.

The same advice applies to specialist insurance, but double-check the rules for storing your bike in a car, especially overnight. Many home insurance policies require that bikes are stored out of sight, or your coverage will be voided. If you own more than one bicycle, it is a good idea to shop around because some insurers will grant generous discounts on additional bikes, sometimes up to 60% off.

A final word of caution: while it can seem obvious to a cyclist enthusiast, explaining to a home insurance provider that a bicycle can be worth many thousands more than a car may be difficult. In such a case, a specialist provider is more likely to understand.

Insuring A Bicycle With Renters/Tenants’ Insurance

If you don’t own your home and don’t want to go the specialist cover route, renters/tenants insurance may be a good option for you.

All of the same advice that applies to home insurance applies here, so shop around and talk to your provider to get all of the details. Pay special attention if you live in a shared residence, as this can complicate matters.

Cycling Event Insurance

It can also be worthwhile to invest in racing insurance.

If racing is an important part of your cycling life, it’s worth looking into what coverage might be useful to you.

Any well-organised event will include third-party insurance as part of the entry fee. This will protect you and the race organiser if you injure or damage a spectator or property.

It is unlikely, however, to cover personal injury, bike damage, or injury or damage to other competitors and their bikes.

The majority of specialist bike insurance providers will offer the option to add dedicated event coverage. This is extremely unlikely to be provided by home insurance companies.

Most providers will also cover accidental damage to your bike and gear that may occur during a race, depending on the provider you choose. Most policies will also protect you against theft during any transitions.

Some insurers will also pay out if you are injured before an event and are unable to attend, covering any entry fees.

If you only plan on attending a few events per year and don’t want to pay for a full year of coverage, consider short-term coverage. Some insurance companies will let you buy coverage for a week at a time.

Some policies will exclude mass start events, criteriums, and extreme fringes of the sport (think trials riding and the like), so make sure whatever policy you choose works for you.

Accidental Damage Insurance

Accidental damage occurs. Some insurance policies will cover such incidents.

Despite the fact that theft is the most common concern for most cyclists, accidental damage coverage accounts for the majority of claims for most specialist bicycle insurance providers.

Depending on the level of coverage you select, the accidental damage insurance will generally cover everything from replacing a whole bike to individual components and accessories.

For more costly items such as GPS devices and the best road bike or mountain bike helmets, home insurance may be a good option, but the specialist cover is usually a better option if you want comprehensive coverage for all of your gear.

This isn’t as straightforward as theft insurance, so shop around and compare policies if you’re an accident-prone cyclist.

Cycling Travel insurance

Make sure you’re covered if you’re riding your bicycle or bike abroad.

If you are planning a fun trip abroad with your bicycle or motorcycle, it is worth investigating whether specialist travel insurance is a better option than non-specialist travel insurance.

The non-specialist travel insurance policies can cover you if you ride a bike while on vacation, but they are unlikely to cover you if the trip is explicitly designated as a cycling vacation. A policy like this will almost certainly exclude mountain biking and any form of racing.

Most travel insurance policies will also not cover the cost of a rented bike if yours is damaged while in transit.

The specialist bike-insurance policies are much more likely to cover such occurrences and are the only way to ensure you’re covered if you race.

Check the details of your plan if you’re going abroad to compete in an ultra-endurance event because some include distance or duration limits.

Some home insurance policies which cover your bike against theft or damage while you are away from home will also provide limited coverage while you are abroad.

Pay close attention to the terms mentioned in the insurance policy, especially those pertaining to theft and accidental damage while in transit.

Most specialist providers, like racing insurance providers, will also offer short-term packages.

Certain cycling clubs also cover you for some international trips.

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Personal Accident Insurance

If you crash your bike, accident insurance can provide coverage for private medical treatment.

Personal insurance will cover you financially if you are seriously injured while riding your bike.

Some policies will pay a lump sum if you are unable to work due to your injuries and will assist in covering medical costs such as physiotherapy and dental work.

If you have any pre-existing medical conditions, make sure you disclose them to your insurer because failure to do so may result in coverage being revoked.

A dedicated personal insurance policy will provide far more comprehensive coverage than a specialised bicycle insurance policy.

Despite the fact that it is not a legal requirement, most policies from either a dedicated personal insurance provider or a specialist cycling insurance provider will require you to wear a helmet at all times in order for your insurance to be valid.

However, because most products provide some level of personal insurance coverage, it is worth comparing what’s on offer because it may help you decide between two policies.

Third-Party Cycle Insurance

Third-party and liability insurance is a completely different story.

If you cause a serious accident and injure someone else, third-party insurance will pay for the damage to others and their property, as well as legal fees.

Given this, it may be time to consider liability insurance to protect yourself in the event of a serious accident.

Obviously, if you are breaking the law (do not do so) at the time of the accident, insurers are unlikely to accept your claim.

Should I Buy Bicycle Insurance Or Use Home Insurance?

Specialist bicycle insurance may appear to be an unnecessary expense, but it is almost certainly your best bet if you want the best possible chance of receiving a payout in the event of a claim.

It may seem ridiculous to bring it up, but keep in mind that a cycling-specific insurer will likely understand and possibly sympathise with your potential claim better than a home insurance provider.

The same can be said about trying to set up your policy. So, it involves explaining to a home insurance representative that your bike may cost more than anything else you own can be frustrating.

With that said, if you’re looking for basic theft protection for a low-cost bike and don’t intend to travel abroad or race, putting a bike on home insurance may provide better value for money. we 

Finally, the same advice applies to all providers, but make sure you read the fine print – insurance would only be a profitable industry if the providers paid out in every circumstance, so make sure you don’t get caught out by any sneaky loopholes.

Conclusion

Now that you’re an experienced insurance professional, you can decide who will provide the best policy for you. Meanwhile, in the comments section, please share your thoughts and experiences, good or bad. We shall do our best to respond to your questions.