If your bike is only partly covered by your home insurance, our top-up insurance makes up the difference.
Example:
• Your bike is worth €1,000
• Your home insurance covers theft up to €900
• Our top-up cover pays the remaining €100
That way, your bike is 100% protected, without stretching your budget.
The excess is the amount you pay yourself when you make a claim.
The higher it is, the lower your Lovys x Ulygo premium.
No, it is not compulsory in France, either for a standard bike or for an e-bike limited to 25 km/h. It is, however, strongly recommended. Only speed pedelecs (e-bikes capable of more than 25 km/h) require compulsory insurance, similar to that of a moped.
Your policy covers accidental damage (breakage, falls, vandalism), theft involving break-in or assault, and your third-party liability if you cause damage to others. An adjustable excess lets you tailor your premium.
Yes. Electric bikes (motor ≤ 250 W, assistance limited to 25 km/h) are covered in the same way as standard bikes, with particular attention to theft, which is more common with this type of bike.
Depending on the plan you choose, assistance may be offered in addition to your breakage and theft cover. Check the details of your policy to see the options available.
Your cover starts as soon as your application and first payment are confirmed, with no waiting period on the main guarantees.
You can report your claim directly on the Ulygo website, in the “Report a claim” section, or from your personal area. You have 5 days to report the incident after it occurs.
In the event of theft, file a police report within 24 hours, then send the supporting document to Ulygo within 2 working days.
Upload your supporting documents (photos, invoices) directly online to speed up your claim.
