Theft is the big risk, but a bent wheel after a fall costs money too. Here is how to choose.
Essential covers theft and vandalism. All-risk adds accidental damage such as a fall, a collision or a broken frame.
Choose essential if Your bike is older, you ride a short city commute, or you mostly worry about theft.
Choose all-risk if You ride long distances, in groups, or you own a road bike or e-bike with expensive components.
Limits worth knowing All-risk is not available for bikes older than eight years. At most two damage claims are accepted per policy year.
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