Damage due to wear & tear is covered for insured bikes that are younger than 3 years, where the exact bike age starts on the date of the first sale. The policyholder is entitled to compensation in case of:
- an excessively large power drop in the charging capacity of the battery that is permanently installed in the insured bike. The “state of health” of the battery is decisive, which is defined by the effective loading capacity at the time of the damage. A battery is underperforming when the effective loading capacity is permanently being undercut by 50 %.
The underperformance of the battery (in percentage) should be proven by the policyholder based on a report of the manufacturer, a snapshot from the e-bike app on the battery health or an official battery report from a professional bike shop. It is required to include the type of battery and its serial number.
- Damage to technical parts on the insured bike, including tyres, brakes and inner tubes, that make it no longer possible to safely drive or use the insured bicycle before reaching the usual technical service life.
Not insured:
- The insurance cover does not extend to damages that still fall under the legal warranty that is provided by the manufacturer, or other warranty provisions from third parties;
- Coverage does not apply until six months have elapsed since the insurance contract was taken out. After the replacement of the battery or other technical parts du to Wear & Tear, a new waiting period of six months begins for the replaced parts;
- Damages intentionally caused by the insured person or his representative;
- Damages from events that had already occurred at the start of insurance;
- Damages that do not affect the use or functioning of the insured item(s), such as scratches or varnish damage;
- Damage caused by rust, oxidation or material fatigue;
- Damages for which a third party is contractually liable as a manufacturer, seller, from a repair order or other contractual relationship;
- Damage to the carbon frame of the insured bike;
- Damage and consequential damage as a result of manipulation of the drive system (e.g. tuning) or by improper installation or modifications, as well as improper repairs, cleaning or unusual non-manufacturer usage of the insured bike.
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