By choosing a bicycle trip from L’Autre Chemin agency with the included rental of an electric bicycle or unassisted bicycle, you get an insurance covering damage and theft of the bicycle.
Note: This guarantee does not apply for when you travel with your bike or for a tour from another place than Le Puy.
Before your departure, L’Autre Chemin takes out insurance with its service provider and this insurance is included in the price of the trip (with bike).
This insurance guarantees:
The breakage caused to the bike during your stay, whether repairable or irreparable – In the event of breakage, you contact the agency L’Autre Chemin during the day and we will ask you to give us the circumstances of the breakage and 3 photos of the damage caused (exclusions specified below).
The theft of L’Autre Chemin’s bicycle either by assault or break-in. In the event of theft, you contact the L’Autre Chemin agency during the day and we will ask you to send us the complaint and give us the key to the lock (exclusions specified below).
Note: In the event of failure to comply with the deadline for declaring a claim and if the agency or its insurer proves that this delay caused him damage, the customer will not benefit from the Guarantee (article L 113-2 of the Insurance Code ).
What is not insured:
- Damage caused intentionally or with your complicity
- Theft of which a member of your family or a close relative is perpetrator or accomplice
- Theft of the bike if not secured by an anti-theft device (delivered by L’Autre Chemin) to a fixed attachment point
- Non-fixed bicycle accessories: pumps, GPS, bags, helmets, battery charger …
- Punctures, broken chain, tires
Franchise :
In the event of theft or irreparable damage, the excess is set at € 310 / bike destroyed or stolen (excluding the exclusions specified below)
In the event of repairable damage, the deductible is set at 10% of the amount of the repairs with a minimum flat rate of €30 (excluding exclusions specified below)
Common breakage & theft exclusions:
- Claims related to professional uses of transporting people or goods
- The intentional or deceptive act of any person other than a third party
- Damage and theft occurring in the absence of a hazard
- Damage or indirect losses suffered by the insured during or following a claim
- The intentional or deceptive act of any person other than a third party
- Damage and theft occurring in the absence of a hazard
- Claims arising from negligence
- Civil liability of the Insured
- The original non-fixed accessories (speedometer, lighting system, bicycle pump, water container and saddlebags)
- Acts of war or civil war, riots, internal disturbances, acts of violence for political reasons, terrorist attacks or acts, strikes, expropriations or interventions comparable to expropriation, seizures, natural disasters or nuclear energy.
Note: any insured person appearing in any official, government or police database of persons proven or suspected of being terrorists, any insured member of a terrorist organization, drug trafficker, involved as a supplier in trade, is always excluded from the benefit of the cover. illegal nuclear, chemical or biological weapons
Theft specific exclusions
Excluded from the Theft cover:
- Theft other than theft by assault or break-in
- Theft by breaking and entering on the public highway of the property not attached by an anti-theft device to a fixed attachment point;
Exclusions specific to the Scrapping
The following are excluded from the breakage guarantee:
- Resulting from a modification or transformation of the bike
- Resulting from a puncture
- Linked to the battery failure of electric bikes
- As a result of fire, natural disaster, falling lightning, or freezing
- Occurred during events, races, competitions
- Under one of the legal guarantees incumbent on the manufacturer or the distributor
- Resulting from non-compliance with the use and maintenance instructions contained in the manufacturer’s manual
- Resulting from a case of serious misconduct: driving the insured bicycle in a state of alcoholic intoxication punishable by law, driving the insured bicycle under the influence of drugs or narcotic products
- Cosmetic, discoloration, pitting, stains, scratches, chips, chips, dents, swelling or graffiti