1. Review and Wear: Brakes and Tires.
Brakes and tires are constantly used and tend to wear out, so they need to be checked. The brake shoes still need to be efficient. In addition, the correct tire pressure makes the wheel less sensitive to punctures. For bicycles, it should be 4 bars, more than for a car, which needs about 2 bars. The profile must also be intact and the cover must be free of cracks.
Worn items may need to be replaced before a ride to ensure a safe ride, especially with powerful electric bikes and pedelecs. The elements that are installed here are usually of high quality, so the costs of the change must be anticipated when preparing for the cycling season or cycling trips.
Alternatively, the costs can also be cushioned by taking out bicycle insurance. Some bike policies also cushion tire and brake wear.
2. Electric bicycles and autonomy: check the battery capacity
In general, rechargeable batteries lose their performance during their useful life. That means your range will decrease. If you want to be sure that the battery of your e-bike or pedelec is still powerful enough, you can have it checked by a specialist dealer. If the battery needs to be changed, it can cost around 800 euros, depending on the manufacturer. Bicycle insurance can mitigate these costs: depending on the product, the policy kicks in from a specific battery capacity (for example, from less than 65%) or from the first measurable reduction in capacity.
On longer tours, it is advisable to have a spare battery in your luggage, not only to extend the autonomy. If the battery is damaged along the way, the cells inside can be affected, although nothing can be seen from the outside. If you want to be safe, go ahead with a spare battery.
3. Breakdowns: repair costs and mobile breakdown service
You can’t be prepared for every eventuality, and bikes and luggage don’t handle every situation well. Many repairs can be done on the spot by yourself, provided you have the right equipment. Anyone who likes to travel light is recommended to use a high quality multi-tool.
If, in the event of a breakdown, you cannot carry out the repair yourself, you need fast and expert help. If you have bicycle insurance, you can complement it with a bicycle breakdown service through a cover letter. Mobile breakdown service, towing and workshop service: Help can be arranged quickly via the 24-hour hotline. In addition, the cushioning of repair costs should be one of the standard services of bicycle insurance. It is important that there is no deductible in this regard.
4. Accessories: very safe values
It doesn’t matter if it’s a short daily commute or a bike tour: everyone wants to be protected from the elements and well equipped on the road. Raincoats and pants are in your luggage, as are waterproof shoe covers or windproof and weatherproof cycling gloves. Then the helmet and the saddlebag. These accessories are not only useful, there is also something of value in the bike.
Therefore, bicycle insurance should also cover accessories carried on the bicycle. Here, the sums insured vary and depend on the cyclist’s equipment. For example, premium products protect accessories for up to 1,500 euros, and there is compensation of up to 500 euros per item.