Insurance - Urtopia Chord/Chord X

Accessories

Theft and Damage Insurance

Free from unwanted stress

Theft, damage and assistant insurance is an integral part of having the full ebiking experience. By protecting your investment, you can have complete peace of mind when you’re off exploring cities and beyond.

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Theft

You went for a drink, and although you locked your bike properly it’s been stolen? We refund its full value, no excess is applied.

● Your bike is covered day and night both indoors and outdoors.
● No depreciation during the first 3 years.
● Pay for your taxi home (up to €500).

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Damage

pay for repairs to your bike further to material damage caused by an accident, vandalism, flood, fire (e.g. battery) and other external events, after deduction of your excess(35€).

Will reimburse you, on the basis of the receipts, the cost of hiring a replacement bike,

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24/7 Assistant

You had a puncture on the road? You don’t have to push your bike all the way home!

If you have trouble on the road (accident, puncture, battery, theft, etc.), we come and repair your bike on the spot free of charge, and if necessary, take you and your bike home.

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FAQ

● We cover your bike all year round for up to maximum 5 years.
● An insurance policy intended for Urtopia bikes only.
● The insurance is intended for people aged 18 and over who are officially resident in Germany.
● Your bike is intended for private or commercial use (e.g. as a courier, deliveries, etc.).

● If your bike is stolen, we will reimburse you after deducting any excess and depreciation.
● We will also reimburse you for damage if it is the result of an attempted theft.
● No depreciation is applied to the compensation calculation during the first 36 months (3 years) of the bike. As from the 37th month, a depreciation is applied. The minimum amount of compensation is set at 50% of the insured value as shown in the table of benefit in the terms and conditions and policy schedule.

● Your bike is covered against damage resulting from accidents, vandalism, flooding, fire and other external factors.
● We will reimburse you for the cost of repairs after application of any excess and depreciation.
● No depreciation is applied to the compensation calculation during the first 36 months (3 years) of the bike. As from the 37th month, a depreciation is applied. The minimum amount of compensation is set at 50% of the insured value as shown in the table of benefit in the terms and conditions and policy schedule.

If your bike is immobilized on a roadway accessible to our breakdown and towing service, we organize:
● Roadside assistance and towing
● Return and guidance of the children
● Flat tire assistance
● Assistance in the event of loss of keys to the padlock or a locked padlock
● Assistance to the insured during a transfer

● As soon as your bike is delivered your insurance will be activated. You will then receive a confirmation e-mail with your policy schedule, general conditions and the cancellation form.
● In case of theft or total loss:
  ○ Contact us here to report a claim.
  ○ You will receive a compensation by bank transfer corresponding to the total insured value minus any excess or depreciation.
● If your bike needs repair:
  ○ Contact us here to report a claim.
  ○ You will be compensated for the repairs. Either we will send someone to carry out the repairs or you will have to go to a repair shop if the damage is too extensive.
  ○ If it is not possible to repair your bike, you will receive a compensation by bank transfer corresponding to the total insured value minus any excess and depreciation.

● In the event of theft, you must report it to the police or judicial authorities within 24 hours.
● You must submit a copy of the police report to us at the time of the loss.
● You must notify the claim as soon as possible after the incident and within 8 days of becoming aware of it.
● You must keep the original invoice for your bicycle.
● You must lock your bike in two ways:
○ With the frame lock and / or via the application on the bike, used in accordance with the manufacturer's instructions (if applicable)
○ You must attach your bike by the frame to a fixed point (e.g. bike rack, post) by using an agreed lock, that is either [AXA Hiplok, Kryptonite, Linka (with chain), Master Lock, texlock, Trelock] VdS approved lock of class A+ or B+ , ABUS (Security 10 or higher), ART (category 2 or higher), FUB (category 2 wheels or higher), or Sold Secure Silver (or Gold), Onguard or SRA Locks.

● In the event of theft and total loss:
○ No excess is applied.
● In the event of repairable material damage:
○ An excess of €35 per claim will be applied.

● If the theft of the bike occurs when the bike is not locked by the frame or app lock provided by the manufacturer (if applicable).
● If the bike was in a place accessible to the public and was not secured to a fixed point by the frame with an agreed lock and not locked in accordance with the manufacturer's instructions, such as a frame lock or locking by means of an application (if applicable).
● If the bike was in a locked common room and was not secured to a fixed point by the frame with an agreed locked and not locked in accordance with the manufacturer's instructions, such as a frame lock or locking by means of an app (if applicable).
● The wheels, tyres or battery if they are stolen separately from the bike.
● If you cause damage to a third party while riding your bike, the insurance does not cover your liability.
● Purely aesthetic damage (e.g. scratches or dents).
● Damage resulting from a breach of trust or fraud.
● Portable bike related accessories (e.g. bike computers and/or navigation equipment), which are easily removable without using screwdrivers or other regular tools, are excluded from coverage in case of theft.

● You will not be covered if you make technical modifications to the bike.
● All fixed original accessories and additional accessories that have been specifically included within the insured limit are covered for the original purchase price (minus applicable excess and depreciation if applicable), for so far they are firmly installed on the bike.

● Theft and material damage cover is valid in the countries of the European Union, Great Britain, the Principalities of Andorra and Monaco, the Vatican, Iceland, Croatia, Liechtenstein, Norway, San Marino and Switzerland.
● The assistance guarantee is valid in Germany (and 20 kilometers outside the German borders). The coverage of this section applies when the bicycle is out of use on a road that is accessible to the public.

● You can cancel the insurance contract within 14 calendar days of taking out the contract or receiving it.
● You can cancel your insurance at each annual expiry date. To do so, you must inform Qover at least 2 months before the expiry date.
● You can cancel the insurance if we change the price or the general conditions.
● You can also cancel the insurance contract after a claim. You have 1 (one) month from the date of payment or refusal to pay compensation. The insurance contract will then expire 1 month after the date of notification.

● You pay the premium annually.
● Your bike can be covered for a maximum of 5 consecutive years as from the first sale.
● Your contract has a duration of one year and is tacitly renewed every year.
● At the end of five years, we will terminate the contract. This way, you never pay too long and it suits your needs.

● If you wish to report a claim, you can contact Qover via this online form.
● You can reach Qover from Monday to Friday between 9 am and 5 pm on 0800 000 42 24, or by e-mail.

●Information document on the insurance policy
● General terms and conditions
● Data privacy policy
● Complaints
● Conflicts of Interest

Legal notice

This page is a summary of the insurance policy, please refer to the terms and conditions for full details of your cover.

This insurance policy is managed by Qover S.A., a non-tied insurance agent authorised and regulated by the Financial Services & Markets Authority (FSMA - Belgium - registration No. 0650.939.878). Registered office: Rue du Commerce 31, 1000 Brussels, Belgium. Qover S.A is entitled to provide insurance distribution services in Germany on the basis of the freedom of services.
Theft and material damage coverage is taken out with Nationale-Nederlanden Schadeverzekering Maatschappij N.V. under Dutch law, entitled to cover German risks, insurance company with the Bundesanstalt für Finanzdienstleistungsaufsicht under number 9509. Registered office: Prinses Beatrixlaan 35, 2595 AK 'S-Gravenhage, the Netherlands - Trade Register Number DNB 27023707, supervised by the Nederlandsche Bank. Nationale-Nederlanden Schadeverzekering Maatschappij NV is entitled to provide insurance distribution services in Germany on the basis of the freedom of services and is registered with the Bundesanstalt für Finanzdienstleistungsaufsicht under number 9509 (BaFin, Graurheindorfer Straße 108, 53117 Bonn, www.bafin.de).
Assistance coverage is taken out with Europ Assistance N. V, a limited liability company governed by the French Insurance Code, whose registered office is located at 1, promenade de la Bonnette, 92230 Gennevilliers, France, registered with the Nanterre Trade and Companies Register under number 451 366 405, acting through its Irish branch EUROP ASSISTANCE SA IRISH BRANCH, whose principal place of business is located on the 4th floor 4-8, Eden Quay, Dublin 1, Ireland, D01 N5W8 and registered with the Irish Companies Registration Office under number 907089. Europ Assistance S.A. is supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) located at 4, Place de Budapest CS 92459, 75436Paris France. The Irish branch operates in accordance with the Code of Conduct for Insurance Undertakings (Code of Ethics for Insurance Companies) published by the Central Bank of Ireland and is registered in the Republic of Ireland under number 907089.
Bike insurance is a non-life insurance product (Branch 3). Bike assistance is a non-life insurance product (Branch 18).
This contract is entered into for a period of one year. It shall be tacitly renewed a maximum of four times for consecutive periods of one year.
This insurance contract is subject to German law.

50% Lighter Than Average E-Bikes

Effortless to Carry

Full Carbon (Only 33 lbs)

Literally, an e-bike single-handedly manageable. Just a fraction of the weight compared to peer e-bikes, thanks to a full carbon body of frame, handlebar, seat post, and forks.

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Accessories

One-Year Connect Service

Fenders - Carbon 1/1s

Rear Rack - Carbon 1/1s

Water Bottle Cage - Carbon 1/1s

ABUS Bordo 6000/120

Frame Bag

Urtopia Pannier Bag

Urtopia Portable Air Pump

ARES Lights

Water Bottle Cage

Rear Rack - Carbon 1 Pro

Battery - Carbon 1 Pro

Battery - Carbon 1/1s

External Battery - Fusion

Rear Rack - Fusion

Front rack - Chord/Chord X

Kickstand

Rear rack - Chord

Carbon 1/1S Front fork