Is it necessary to buy bike insurance?

Is it necessary to buy bicycle insurance

Choosing a bicycle to travel in daily life brings us convenience and quickness, and more importantly, fitness, which benefits a lot, but bicycle riding also causes accidents in life, therefore, the purchase of bicycle insurance has become the focus of attention. Is it necessary to buy bicycle insurance? Below we look at the detailed description.

The issue of bicycle safety has been debated in recent years. Since there is no license plate, there is no relevant bike insurance. Bike escape after the accident has brought great difficulty to traffic management, but also a serious threat to the lives of citizens.

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With the increase in the number of public bicycles and the number of people who rent them, some personal injuries have also occurred in the rental process. For the public bicycle insurance, the purchase of bike insurance, can maximize the protection of the general public in the use of public bicycle in the process of personal and property safety, give full play to the public bike rental project of public welfare.

After having covered personal accident and injury insurance and third party liability insurance for public bicycle, if a person is injured in a road traffic accident during the period of using the urban public bicycle, the corresponding insurance compensation can be obtained by the relevant personnel in the field investigation and providing the relevant certificate.

At the same time, when the public inadvertently causes property damage or personal injury to others (third party) when using a bike, the insurance company of your bicycle insurance will pay compensation to the third party, the maximum coverage for both is RMB 10000.

Tip: is it necessary to buy bicycle insurance? Bicycle insurance can maximize the protection of the general public in the use of public bicycle in the process of personal and property safety; Followed by the insurance of bicycle personal accident insurance, third party liability insurance, insurance compensation can be obtained for self-and third-party injuries.

How to pay for bike insurance?

After purchasing bike insurance, the public will need to handle claims if they are unfortunately out of danger. So, how to cover the bike insurance? There are mainly reported-approved insurance liability-audit materials-payment compensation and other steps, below we see a detailed introduction.

The applicant, the insured or the beneficiary of the insurance money shall promptly notify the insurer of the occurrence of the insurance accident. Upon receipt of the insured’s request for payment of insurance benefits, the insurer shall promptly determine whether it is an insurance liability; If the situation is complicated, the insurer shall verify it within 30 days, unless otherwise agreed in the insurance contract. If the nature, cause, and degree of loss of the insured event are difficult to determine, the insurer shall not be liable for the payment of insurance benefits for the part that cannot be determined, however, unless the insurer has known or should know the occurrence of the insurance accident in time through other channels.

The insurer shall notify the insured of the results of the examination and approval; If it is an insurance liability, the insurer shall perform the obligation to pay the insurance benefits within 10 days after reaching an agreement with the insured on the payment of the insurance benefits. Where there is an agreement in the insurance contract on the time limit for the payment of insurance benefits, the insurer shall perform the obligation to pay insurance benefits in accordance with the agreement. If the insurer does not belong to the liability of the insurance, it shall send a notice of refusal to pay the insurance money to the insured within three days from the date of approval, and explain the reasons.

bike insurance price

Where the amount of the insurance benefit cannot be determined within 60 days from the date of receipt of the insurance benefit request and the relevant certificates and materials, the insurer shall pay the amount in advance according to the available certificates and materials; after the final determination of the amount of payment, the insurer shall pay the corresponding difference.

Tip: how to pay for bike insurance? First of all, after the occurrence of the insurance accident, the insurer shall be notified in a timely manner; Secondly, after the insurer receives the insured’s request for payment of insurance benefits, it shall make a timely verification of whether it belongs to the insurance liability; Finally, if it belongs to the insurance liability, the insurance company shall fulfill its obligation to pay insurance benefits.

How much is the bike insurance?

Citizens buy bicycle insurance, the most concerned is the price of the product. So, how much is the bike insurance? There are differences between the prices of different products, and the guarantee period is different, the price of its products are also different, let’s look at the detailed introduction.

The price of bike insurance is a matter of great concern to people, but the price of different products is different, and the guarantee period is different, let’s take a look at the price of bicycle insurance sold by Huizong.

best bicycle insurance

Bicycle cycling insurance is specifically aimed at participating in outdoor cycling sports and the launch of the product, a wide range of products, there are many kinds of Huizhi online, for example, “riding peace of mind”-outdoor cycling insurance is specially tailored for outdoor sports fans, covering accidental injuries and medical transport and other protection, low premium, is the first choice for outdoor athletes. Protection responsibilities include accidental injury, emergency medical assistance, etc. The price of this product needs at least 5 yuan, you can give you a day of protection, the highest need only 40 yuan, protection for ten days.
Now sharing a bike has become a trend, and the probability of the public riding a shared bike is high, so it is necessary to buy a shared bicycle accident insurance. It is understood that the responsibility of sharing a bicycle accident insurance protection includes accidental death/disability and accidental medical treatment. The price of the product is 11.88 yuan, and the guarantee period is 3 months.

insurance policy for bike

Tip: How much is the bicycle insurance? There are differences in prices between different products, such as “riding peace of mind”, outdoor cycling insurance products need at least 5 yuan, the highest need only 40 yuan, protection for ten days; the price of the shared bike accident insurance product is 11.88 yuan, and the guarantee period is 3 months.

e-bike insurance

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