Electric scooters:

Coverage:

• Liability.
• Defense of the insured.
• Legal protection of the skater.

Bicycles:

Basic coverage:

• Liability.
• Travel assistance.
• Defense of the insured.
• Legal protection of cyclists.

Optional coverages:

• Personal assistance.
• Personal accidents:
• Death.
• Permanent disability.
• Medical and pharmaceutical expenses.
• Hospitalization expenses.
• Personal accidents exclusively involving motor vehicles .
• Plastic and Reconstructive Surgery.
• Bicycle Damage and Theft.

Main exclusions applicable to any coverage:
Damages resulting from:

• Intentionality or bad faith of the insured.
• Civil war, strike, riot, popular tumult, or terrorism.
• Earthquakes, floods, and other extraordinary phenomena .
• Stoppage of river, sea,  rail and/or air transport, as well as its facilities and services.
• Events that occurred outside of cycling activity.
• Damage that occurs where the use of bicycles is not authorized as well as their improper use.
• Lucrative use of bicycles in commercial activity. 
• Professional activity, official sports events, acrobatic exercise or show.
• Incidents whose coverage corresponds to the “Consorcio de Compensación de Seguros”.
• Damage covered by compulsory insurance.
• Other specific events of each coverage are also not insured, among which the following stand out: 
  • In General Civil Liability coverage:
    • The practice of any other type of sport and/or sports practice other than cycling. 
  • In Travel Assistance coverage:
    • Medical, surgical and hospitalization expenses in
      the foreigner.
    • Rescue at sea or desert.
    • In the event of transfer or repatriation of the deceased: burial and ceremony expenses.

• Contractable Guarantees all have a Maximum Indemnity Limit.
• Burial expenses for children under 14 years of age or over 70 years of age have a limit of 3,000 euros.
• If the policyholder moves his or her residence outside Spanish territory, the coverage will be extinguished.
• Limit of fees for lawyers/solicitors of free choice: 3,000 euros.
• In the event of Damage and/or Theft of the bicycle, the Insured will be responsible for the following amounts:
  • 1st year 20% of the amount of the claim, minimum €100.
  • 2nd successive year 10% of the amount of the claim, minimum €100.
    In case of theft of the bicycle, maximum compensation: 150 €.
• For damages occurring outside the territory of the European Union, the compensation limit shall not be understood to be exempted from any deduction for judicial or extrajudicial expenses, for or that the defence costs added to the
  indemnity, may not exceed the insured Indemnity Limit.

• Return the insurance contract signed to AXA Seguros and pay the price of the same.
• For the acceptance of the risk and the issuance of the insurance contract, you are obliged to accurately declare the information requested to assess the risk.
• During the term of the insurance contract, you must inform us in writing of any modification of the information we have requested when taking out the insurance, as well as the existence of other insurances that guarantee any of the
  benefits of this policy.
• In the event of an incident:
  • You must notify us as soon as possible, within a maximum period of seven days, providing all kinds of information on the circumstances and consequences. 
  • You must use all the means at your disposal to reduce the results of the accident.

The contracting party is obliged to pay the price of the insurance at the time of contracting.

The payments of successive annuities must be made in the corresponding instalments, and may be paid in instalments, by direct debit.

The entry into force of the contract will begin and end, unless extended, on the date and time indicated in the specific conditions , provided that the first bill has been paid.

The contracting party may oppose the extension of the contract by giving written notice to the insurer with at least one month’s notice from the date of the end of the current period.