# Bike insurance - cover your bike, e-bike and cargo bike > Cover against theft, crashes and vandalism for your bike, e-bike or cargo bike. See what is included, and what it costs. Source: https://franklyinsure.com/en/coverage/mobility Bikes ## More adventures. Fewer worries. A bike is meant to be ridden - in rush hour, in the rain and on long trips. Theft, crashes and vandalism are covered, so you don't have to think about it. [See my price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) ### Your bike is rarely at home. The cover comes along. Outside the station. Strapped to the rack behind the car. Halfway through a ride, when it goes wrong. We cover theft and vandalism, sudden damage from the outside, and on an e-bike the battery and charger on the same terms as the rest of the bike. Crashes and damage carry no deductible. [01 ### Theft and vandalism. If your bike is stolen, we help you on from there. We also cover attempted theft, where the frame, the lock or parts are damaged, and vandalism by others. For theft the deductible is 10% of the payout, and at least 1,500 kr. The bike must be locked with a Varefakta-approved lock, and locked to something fixed when it is left outside.](#)[02 ### Accidents and crashes. Sudden damage from the outside is covered. Crashes, collisions and damage that happens in transit - including while the bike is on the rack behind the car. No deductible. We repair it, or replace it if the damage is too great.](#)[03 ### E-bike and battery. The battery and charger are covered on the same terms as the rest of the bike. That means sudden damage from the outside - not wear and tear, or a battery losing capacity over time. Remember to take the battery with you when you park the e-bike, unless it is built into the frame.](#) E-bike,Cargo bike,Road bike,City bike,Mountain bike,Gravel bike,Folding bike,Christiania bike In store Online ### You buy the bike. We handle the rest. Add cover in under 30 seconds. No forms. No waiting. [01 ### Buy what you want. Buy the bike in store, exactly as you normally would. Keep the receipt - it is only used to set the price.](#)[02 ### Add the cover. Upload the receipt, pick the bike and see the price straight away. A couple of clicks, and you're covered.](#)[03 ### Then forget all about it. Your cover is there digitally if something happens. Then you can just ride the bike without thinking about it.](#) ### You click. We handle the rest. Frankly sits right there in the checkout. One click. A clear price. Cover right away. [01 ### Find the bike online. You find the bike and go to checkout, the way you always do. No extra flow.](#)[02 ### Add cover at checkout. Frankly appears as an option with a clear price, before you pay. It's your call.](#)[03 ### Then forget all about it. Once the purchase goes through, your cover is active. The documents are sent to your email.](#) Sofie & Benjamin Vicente & Annastasia Kathrine Munk Frederik Bernbom ### “For me, it's about living life free of worries” Frankly™ protecting Sofie and Benjamin's home \- so they don't have to think about it. Coverage Home contents Macbook Speakers Couch iPhone [See my price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) ### “It's nice not having to double-check all the time” Vicente and Annastasia pay under 599 kr. a month. No lock-in, no fine print. Coverage Contents Bike Dog iPhone Travel [See my price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) ### “With Frankly™ I know exactly how I'm covered and what I pay each month." Coverage Home contents Travel Couch Macbook iPhone Sage [See my price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) ### “I love that you can just add and remove cover as it suits you” Coverage Watch Bike Macbook Jewelry [See my price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) ### Everything you own. Covered with Frankly. Frankly protects your home and the things that come with life. [See my price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) #### Frankly Care #### TM Phones. Laptops. Gadgets. From 10kr./mo. [See your price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) [See more](https://franklyinsure.com/en/coverage/care) #### Frankly Care #### TM Phones. Laptops. Gadgets. From 10kr./mo. [See your price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) [See more](https://franklyinsure.com/en/coverage/care) #### Frankly Mobility #### TM Bike, scooter and more From 19kr./mo. [See my price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) [See more](https://franklyinsure.com/en/coverage/mobility) #### Frankly Mobility #### TM Bike, scooter and more From 19kr./mo. [See your price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) [See more](https://franklyinsure.com/en/coverage/mobility) ![Frankly Appliances]() #### Frankly Appliances #### TM Washing machine, fridge and dishwasher From 6kr./mo. [See your price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) [See more](https://franklyinsure.com/en/coverage/appliances) ![Frankly Appliances]() #### Frankly Appliances #### TM Washing machine, fridge and dishwasher From 6kr./mo. [See your price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) [See more](https://franklyinsure.com/en/coverage/appliances) #### Frankly Drive #### TM Car, moped and motorcycle From 349kr./mo. #### Frankly Drive #### TM Car, moped and motorcycle From 349kr./mo. #### Frankly Travel #### TM Peace of mind when you're out in the world From 15kr./mo. #### Frankly Travel #### TM Peace of mind when you're out in the world From 15kr./mo. #### Frankly Companion #### TM Cover for your four-legged best friend From 99kr./mo. #### Frankly Companion #### TM Cover for your four-legged best friend From 99kr./mo. #### Frankly Home #### TM Water. Fire. Break-ins. From 129kr./mo. #### Frankly Home #### TM Water. Fire. Break-ins. From 129kr./mo. ![Frankly Living]() #### Frankly Living #### TM Sofa, bed and dining table From 12kr./mo. ![Frankly Living]() #### Frankly Living #### TM Sofa, bed and dining table From 12kr./mo. #### Frankly Care #### TM Phones. Laptops. Gadgets. From 10kr./mo. [See your price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) [See more](https://franklyinsure.com/en/coverage/care) #### Frankly Care #### TM Phones. Laptops. Gadgets. From 10kr./mo. [See your price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) [See more](https://franklyinsure.com/en/coverage/care) #### Frankly Mobility #### TM Bike, scooter and more From 19kr./mo. [See my price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) [See more](https://franklyinsure.com/en/coverage/mobility) #### Frankly Mobility #### TM Bike, scooter and more From 19kr./mo. [See your price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) [See more](https://franklyinsure.com/en/coverage/care) ![Frankly Appliances]() #### Frankly Appliances #### TM Washing machine, fridge and dishwasher From 6kr./mo. [See your price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) [See more](https://franklyinsure.com/en/coverage/appliances) ![Frankly Appliances]() #### Frankly Appliances #### TM Washing machine, fridge and dishwasher From 6kr./mo. [See your price](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) [See more](https://franklyinsure.com/en/coverage/appliances) #### Frankly Drive #### TM Car, moped and motorcycle From 349kr./mo. #### Frankly Drive #### TM Car, moped and motorcycle From 349kr./mo. #### Frankly Travel #### TM Peace of mind when you're out in the world From 15kr./mo. #### Frankly Travel #### TM Peace of mind when you're out in the world From 15kr./mo. #### Frankly Companion #### TM Cover for your four-legged best friend From 99kr./mo. #### Frankly Companion #### TM Cover for your four-legged best friend From 99kr./mo. #### Frankly Home #### TM Water. Fire. Break-ins. From 129kr./mo. #### Frankly Home #### TM Water. Fire. Break-ins. From 129kr./mo. ![Frankly Living]() #### Frankly Living #### TM Sofa, bed and dining table From 12kr./mo. ![Frankly Living]() #### Frankly Living #### TM Sofa, bed and dining table From 12kr./mo. ### What people usually ask. Let's make it clear, and otherwise just give us a call. 30 min Typical response time on a claim 1 min Typical response time on the phone [Contact Customer Experience](mailto:contact@franklyinsure.com) Alex, Nicolai and Bence are standing by to help. What does it cost to insure a bike? The price follows the value of the bike. A bike or e-bike worth 10,000 kr. comes to around 50 kr. a month, one worth 20,000 kr. to around 100 kr. Cargo bikes sit a little higher. The first month is free, and there is no lock-in. How does the bike need to be locked? Whenever the bike is left unattended, it must be locked with a Varefakta-approved lock. Anywhere other than inside your own home, your own locked basement room, shed or garage, it must also be locked through the frame to something fixed - a lamppost or a bolted-down bike rack. That includes shared bike basements. If the bike cost 25,000 kr. or more, two independent Varefakta-approved locks are required. What happens if the bike is stolen? You report the theft to us, and we take it from there. For theft the deductible is 10% of the payout, and at least 1,500 kr. Every other kind of damage - crashes, vandalism, fire, battery - carries no deductible. The payout is capped at 25,000 kr. for an ordinary bike, 40,000 kr. for an e-bike and 75,000 kr. for a cargo bike. Do I get a new bike or a used one? For the first three years after purchase we pay out at replacement value, with no depreciation. After that the payout drops by 20% of the sum insured for each year begun, to a maximum of 80% in total. We repair the bike or supply an equivalent one. We only pay out in cash where that isn't possible. Are the accessories on the bike covered? Permanently fitted accessories are covered - saddle, handlebars, lights and the matching security lock, if they were on the bike at purchase and appear on the receipt. Loose equipment is not covered. That means panniers, child seats, water bottles, pumps, helmets and cycling clothes. Does the insurance cover me abroad? The insurance covers you in Denmark, and up to 60 days a year in the rest of the world. Outside Denmark you may use a lock of equivalent documented quality instead of a Varefakta-approved one. What isn't covered? Bikes that are forgotten, lost or mislaid. Ordinary wear and tear, rust and scratches that don't affect how the bike works. Damage that happens during commercial courier work or in timed competition, and damage following tuning of an e-bike motor. The bike is also not covered while it is on loan to someone outside your household. Can I cancel whenever I want? Yes. The insurance runs one month at a time and renews automatically until you say stop. No lock-in and no cancellation fees. 30 min Typical response time on a claim 1 min Typical response time on the phone [Contact Customer Experience](https://postpurchase.frankly.insure/login?distributorId=13e6f798-5cb2-4245-985d-df1c5c1c38eb&reference=frankly-landing-page) Alex, Nicolai and Bence are standing by to help.