Cycling and bicycle insurance
Are you an experienced cyclist or maybe just got a new bicycle? Our insurance covers three main risks: bicycle theft, cycling accidents, and damage to others and their property.
Bicycle insurance
for your easy ride
Sometimes, a single accident can lead to significant expenses. Go on your biking adventures with confidence, knowing that you and your bike are protected.
We will protect your bike from loss
Comprehensive insurance for your bike against theft, robbery or damage
We will cover you against accidents
In the event of an accident, we will take care of medical expenses
We will compensate bike damage expenses
We ensure that third parties are compensated for damages caused by your bicycle
Bicycle insurance calculator
Cyclist and bicycle insurance – what can we cover?
All risks
In the event of an accident, cyclist and bicycle insurance covers you against the following risks:
- Theft
- Cycling accident
- Damage caused by a cyclist to the property or health of others
Theft
- theft of a bicycle from locked premises (an apartment, a dwelling house, an outbuilding, a garage, a storeroom and any other structure in the residence) and other places in Lithuania and in Europe, where the bicycle is left temporarily locked with a lock or padlock to fixed objects)
- damage to the bicycle during transport by car, bus, train or in an accident where the policyholder is at fault for the accident
- theft
Cycling accident
- fractures, minor and major trauma, injuries and accidental loss of life.
Cyclist-caused harm
- Damage caused by you as a cyclist to third parties and/or their property while using the bicycle for its intended purpose, and while in possession of and disposing of the bicycle (carrying, guiding, loading, transporting).
Cyclist and bicycle insurance – what can we cover?
In the event of an accident, cyclist and bicycle insurance covers you against the following risks:
- Theft
- Cycling accident
- Damage caused by a cyclist to the property or health of others
- theft of a bicycle from locked premises (an apartment, a dwelling house, an outbuilding, a garage, a storeroom and any other structure in the residence) and other places in Lithuania and in Europe, where the bicycle is left temporarily locked with a lock or padlock to fixed objects)
- damage to the bicycle during transport by car, bus, train or in an accident where the policyholder is at fault for the accident
- theft
- fractures, minor and major trauma, injuries and accidental loss of life.
- Damage caused by you as a cyclist to third parties and/or their property while using the bicycle for its intended purpose, and while in possession of and disposing of the bicycle (carrying, guiding, loading, transporting).
Cyclist and bicycle insurance – what can we cover?
Child seat insurance
is valid against theft or robbery, the sum insured is € 100.
Insurance abroad
is valid for selected insured events in Europe if the duration of the trip is up to 14 days.
Insurance for other family members
is valid for selected insured events for those using an insured bicycle.
Insurance for bicycle wheels and saddle
is valid against theft or robbery, the insurance deductible is € 30.
Cyclist and bicycle insurance – what can we cover?
is valid against theft or robbery, the sum insured is € 100.
is valid for selected insured events in Europe if the duration of the trip is up to 14 days.
is valid for selected insured events for those using an insured bicycle.
is valid against theft or robbery, the insurance deductible is € 30.
Why to choose ERGO insurance?
Extensive insurance coverage for you and your bike - you can always choose additional insurance as needed, for example, insurance for cycling abroad
You don't have to insure all your movable property against theft - a cyclist's insurance contract will be enough
With a single insurance contract, we provide the essentials: bicycle protection, liability coverage for cyclists, and accident protection for the cyclist
Frequently asked questions
Yes, you can insure electric bikes. But you can't insure scooters, scooters or other motorised vehicles.
The cover is valid in Lithuania and, with an additional option, can be valid in geographical Europe for 14 days after departure.
The closest of the given types should be selected, and the exact details should be described in the "Exclusive marks" section.
For bicycles up to 7 years old, we will cover the cost of buying a new bicycle of the same purpose, type, type, quality, power and other similar technical characteristics. For bicycles older than 7 years we will reimburse 30% of the replacement value.
The first step in any accident is to take all possible measures to prevent or minimise potential damage. You must also inform us immediately (within 24 hours) verbally and, in addition, within 3 (three) calendar days in writing of the event via the internet at here or by calling the short number 1887 (from abroad +370 5 2683222).
