The pandemic has caused many people to rethink their habits regarding mobility in cities. During this period, Brazil registered an increase in the use of light vehicles, such as bicycles, skateboards and scooters, for example. With this, the Brazilian Association of the Bicycle Sector (Aliança Bike) estimates that sales projections for electric bikes, for example, will increase by at least 23% in 2021.
This shift from motor vehicles to alternative means of transport follows a trend that has already gained popularity in other countries, such as Denmark and the Netherlands. But in Brazil, unfortunately, it was also noticed that there was an increase in the number of thefts and robberies of this mobility equipment. In fact, a case of theft of an electric bicycle in Rio de Janeiro had great repercussions in the country. See details in the G1 report.
Questions like this point out that yes, it is worth taking out bicycle insurance. Not only for the high value of quality equipment, but also for other factors. Read on and learn more about this service!
What does the insurance cover?
First, it is important to understand the difference between robbery, simple theft and qualified theft. After all, most insurance doesn't cover all cases.
Insurers classify cases where the equipment was taken by violent means or threats, such as a robbery, as theft. In this sense, a police report registered at a police station is usually enough for reimbursement. However, it is important that this BO explain the context of the robbery and, if possible, a description of the thief.
Insurers classify it as simple when the theft occurred due to the negligence of the cyclist. Let's say you're cycling through a park and stop at a diner to buy some water. If the bike was left loose, even for a short time, and the thief took the opportunity to take it, it is a simple theft, as the action would have been “facilitated” by the owner of the bike.
The proof that the person tried to protect himself will determine whether the theft was simple or qualified. In other words, if they break down the gate of your house or the locks on your bike to take it, the theft is considered qualified. That's because the thief broke through the obstacle that protected the secured item. So you took precautions to avoid the theft, but it still happened.
The exception is when the bicycle is loose, without any type of lock, inside a building or condominium parking lot. In this case, if it is taken by a third party, the loss will not be refunded.
Discover the Two Dogs insurance against theft and theft
We have something new for you! Two Dogs has just launched an insurance against theft and theft of the brand's official products. With it, you will be able to secure your scooter or bicycle for twelve months.
The service applies to both new products and semi-new equipment. The best part is that there are also insurance options for scooters, traditional bicycle, electric bike or electric skateboard.
You can check prices and more details. on this link.
Purchase insurance for your Two Dogs and enjoy freedom and security in your daily life. After all, you deserve more worry-free fun!