Last Updated 2022.01.04
How to choose bicycle insurance
If you're riding a road bike, take out bike insurance just in case.
The amount of compensation due to bicycle accidents has become expensive, and bicycle insurance has been attracting attention recently.
In Brevet, personal liability compensation is recommended to be 100 million yen or more.
If you usually ride a road bike even if you are not a Brevet, it is also important to take out bicycle insurance and be prepared in case.
Why take out bicycle insurance?
The number of accidents between cyclists and pedestrians is on the rise.
Bicycles, including road bikes, are classified as light vehicles, so they travel on the basic roadway, but in the case of roads where bicycles cannot travel, they will be driving on sidewalks.
Since pedestrians are given priority during sidewalk driving, if you collide with a pedestrian on a bicycle, the person who was riding the bicycle will become the perpetrator. Accidents involving cyclists and pedestrians increased about 1.5 times from 2000 to 2015.
There are cases of expensive compensation even in bicycle accidents
There is a precedent that a high compensation order of 92.5 million yen was issued in 2013 due to a bicycle accident.
In addition, there are several other cases in which compensation claims of 10 million yen or more have been issued.
Even if it is a bicycle, the amount of compensation when an accident occurs is comparable to the time of an accident of a car or motorcycle.
If you cause a bicycle accident without insurance, you may fall into self-bankruptcy without being possible to pay compensation.
Do you have bicycle insurance?
There are quite a few people who ride expensive road bikes but do not have bicycle insurance.
Since road bikes have a faster speed range than ordinary bicycles, there is a high possibility that the damage when encountering an accident will be large. Therefore, bicycle insurance has recently attracted attention due to the popularity of road bikes.
The amount of compensation to the other party when causing an accident with a bicycle is also becoming expensive, and if you do not have bicycle insurance, you may be serious with expensive compensation claims.
Key points when choosing bicycle insurance
There are three main points when choosing bicycle insurance.
- Limit on personal liability compensation
- Is there a settlement negotiation agency service attached?
- Is the insurance covered by the person or his or her family?
Choose insurance with personal liability coverage of at least 100 million yen or more
What is the biggest point of riding bicycle insurance?
- When you become the perpetrator of an accident, you are charged with a high amount of liability.
Even from the precedent of liability for past bicycle accidents, it can be said that at least 100 million yen or more of personal liability compensation is essential as insurance that can respond to high liability.
Check if the settlement negotiation agency service is attached
Recent bicycle insurance is mostly products that are equipped with a settlement negotiation agency service as standard, but it is also an important point in choosing bicycle insurance whether this settlement negotiation agency service is attached.
When an accident occurs, you will negotiate with the victim, but you can smoothly proceed with the settlement negotiation by having the insurance company act as the insurance company.
Some insurance companies have incidental services such as partial legal fees in addition to settlement negotiation agency.
I think that it may be seen as a point of choosing bicycle insurance whether such a service is attached.
Check if your insurance is for you or your family
Many insurance coverage is limited to the person or family type including the target to the family.
If riding a bicycle is only the person who joins the insurance, there is no problem with the person type, but if the family also seems to ride a bicycle, choose a family type and choose an insurance type that covers spouses and children.
There may be special insurance for cars
If you are riding a car, let's check if it covers accidents on bicycles with a special offer of voluntary insurance for the car you are enrolled in. Depending on the insurance, there is also insurance with a special offer that will compensate you for accidents in bicycles and daily life.
For details, please contact your automobile insurance company.
2022Recommended Bicycle Insurance
When you search online with the keyword "bicycle insurance", various sites that compare bicycle insurance appear in search results, but most are comparison sites that include elements of advertisements that cause rewards when introducing insurance.
This site introduces bicycle insurance that can be recommended without loss or loss that has not been introduced with such an insurance company.
e-Joe "eCycle Insurance" kakaku.com on the net insurance-only plan: Tokio Marine & Nichidou
| Plan name | Insurance premiums (1 year) |
Amount of personal liability compensation | Death and sequelae disability | Hospitalization date amount | Daily amount of hospital visit | Settlement negotiation agency | Other compensation |
|---|---|---|---|---|---|---|---|
| Plan C (Person type) |
2,940YEN | Unlimited (100 million yen outside Japan) |
One million yen. | – | – | Available | – |
| Plan B (Person type) |
4,580YEN | Unlimited (100 million yen outside Japan) |
3 million yen | 3,000 YEN | – | Available | Surgery insurance 30,000 yen |
| Plan A (Person type) |
6,920YEN | Unlimited (100 million yen outside Japan) |
5 million yen | 5000 Yen | 1,000 Yen | Available | Surgery insurance 50,000 yen |
Terms and Conditions
Contract age: 18-69 Years old Enrollment time: 2 to 60 days before
Characteristics of insurance
- Unlimited personal liability coverage in Japan on all plans
- There is personal liability compensation of 100 million yen even in the event of an accident overseas. You do not need to take out overseas insurance when participating in overseas Brevet
- Because it is only for the kakaku.com of e-jo "e-cycle insurance" on the net, you can contract with the above conditions only at the time of application from kakaku.com
[https://hoken.kakaku.com/%E8%87%AA%E8%BB%A2%E8%BB%8A%E4%BF%9D%E9%99%BA/”]
Net de Insurance @ Cycle (Bicycle Insurance (Personal Type):Mitsui Sumitomo Insurance Co., Ltd.
| Plan name | Insurance premiums (1 year) |
Amount of personal liability compensation | Death and sequelae disability | Hospitalization date amount | Daily amount of hospital visit | Settlement negotiation agency | Other compensation |
|---|---|---|---|---|---|---|---|
| C Course (Person type) |
3,090YEN | 300 million yen | 10 million yen | 6,000 yen | – | Available | Surgery insurance 60,000 yen or 30,000 yen |
| Course B (Person type) |
4,070YEN | 300 million yen | 10 million yen | 6,000 yen | 1,000 yen | Available | Surgery insurance 60,000 yen or 30,000 yen |
| Course A (Person type) |
6,150YEN | 300 million yen | 10 million yen | 6,000 yen | 3,000 yen | Available | Surgery insurance 60,000 yen or 30,000 yen |
Terms and Conditions
Contract age: 18-69 Years old Enrollment period: 1 to 60 days before
Characteristics of insurance
- Personal liability compensation amount is 300 million yen for all plans
- Compensation for your own injuries caused by traffic accidents in addition to accidents while riding a bicycle
- The amount of insurance for surgery insurance is 10 times the amount of hospitalization for surgery received while hospitalized, and 5 times the daily amount of hospitalization for other surgeries
Insurance for bicycles Bycle:au Insurance
| Plan name | Insurance premiums (1 year) |
Amount of personal liability compensation | Death and sequelae disability | Hospitalization date amount | Daily amount of hospital visit | Settlement negotiation agency | Other compensation |
|---|---|---|---|---|---|---|---|
| Bronze Course (Person type) |
3,790YEN | 200 million yen | 2.5 million yen | 4,000 yen | – | Available | Surgery insurance 20,000 yen or 40,000 yen |
| Silver Course (Person type) |
6,410YEN | 300 million yen | 4,000,000 yen | 6,000 yen | 1,000 yen | Available | Surgery insurance 30,000 yen or 60,000 yen |
| Gold Course (Person type) |
12,300YEN | 300 million yen | 4,000,000 yen | 6,000 yen | 2,000 yen | Available | Surgery insurance 30,000 yen or 60,000 yen |
Terms and Conditions
Contract age: 18-74 Years old Enrollment time: From the day to 30 days before
Characteristics of insurance
- Personal liability compensation amount of 100 million yen or more
- Accidents while riding a bicycle double death, sequelae disability, hospitalization compensation, and hospital visit compensation
- When it is difficult to drive on its own due to an accident, it is within 50 km with a bicycle road service
2022 Bicycle Insurance Selection Summary
To be honest, this insurance is too strong and other bicycle insurance will be hazy.
Even with the cheapest plan of the C plan, personal liability compensation is unlimited at 2,940 yen per year, and I think that it is the perfect insurance for those who are considering 100 million yen compensation and overseas Brevet for bicycle accidents overseas.
It is a bicycle insurance that can be recommended for everyone who usually rides a road bike even if it is not an overseas Brevet.
I think that personal liability compensation of 300 million yen for all courses is a safe compensation amount as of 2022.
It is a good point that even the cheapest plan of the C course comes with death/ sequelae disability and hospitalization insurance coverage.
The characteristic of au Insurance is that the amount of personal liability compensation is from 200 million yen, but accidents caused by bicycles are characterized by incidental services such as death, sequelae disability, hospitalization, hospitalization, and surgery insurance doubling.
In addition, the bicycle road service can be supported by calling the road service from bases nationwide 24 hours a day, 365 days a year, so I think that it is a support service that is thank you for those who travel around the country by bicycle.
In this article, we listed three types of bicycle insurance, but various other insurance companies sell bicycle insurance products.
However, even though the annual amount is high, the amount of personal liability compensation is 100 million yen, and insurance premiums are cheaper because there is no incidental service.
If you are thinking of riding a road bike and joining bicycle insurance from now on, I think that there is no mistake if you choose from the three bicycle insurances in this article from the amount of personal liability compensation and incidental services that suit you.
