Has your two-wheeler been stolen? Here’s how you can get compensation

What you need to remember at a glance

Step 1: Assess the situation

Report the offence

As soon as you’ve confirmed the theft or attempted theft of your two-wheeler, it is essential to report the offence to the authorities within 24 hours and specify the extent of the damage suffered.

Contact AXA Assistance

In the event of total theft or the damage renders your vehicle immobilised, call AXA Assistance on +352 45 30 55, available 24/7, and we’ll take care of everything else.

AXA Assistance will arrange the recovery of and repairs to your vehicle if necessary. Depending on the duration of the repairs, a replacement vehicle may be made available to you for up to 10 days, and up to 30 days in the event of total theft.

Draw up a list of stolen or damaged items

Make as complete a list as possible of the stolen items and any damage to your vehicle.
Gather all relevant documents: purchase or repair invoices, warranty certificates, receipts and photographs of the stolen or damaged items. These will be useful, or even necessary, to assess the amount of your compensation.

Step 2: Make a claim

Send the following documents to your advisor or intermediary:

1. The claims form available on the AXA website, duly completed with all the requested information, specifying the circumstances of the incident and the nature of the damage.
2. In the event of attempted theft or a break-in, photos of the damage (at least one overview and one close-up). Contact your advisor if you need help.
3. A copy of the filing notification or the report issued by the police authorities, making sure it includes all the damage suffered (exact description and list).

Step 3: How much will it cost?

After studying your file and if you have added Material Damage cover to your OptiDrive Moto policy, AXA will determine whether a claims assessor is necessary:

• If your two-wheeler can be repaired and it is economically viable, you can have the repairs carried out at a repairer of your choice, without having to pay up-front.
• If it cannot be repaired under the terms of your policy, you are covered up to the value of your vehicle prior to the claim, or based on the replacement cost during the first 36 months of the insurance.

Motorcyclists’ equipment (helmet, jacket, gloves, etc.) is covered up to €1,000 with Material Damage cover in an OptiDrive Moto policy.

Step 4: In the event of total theft

If your vehicle cannot be found
 

If your vehicle is not found within 30 days of notifying AXA of the theft, you will be covered for the full base amount as stated in your file and the cover set out in your policy (replacement cost or value prior to the claim). A vehicle transfer document will then be drawn up, with AXA becoming the new owner of the vehicle once the payment has been executed.

If your stolen vehicle is found before the 30-day period has expired
 

1. If the vehicle is not damaged: you can recover it straight away.
2. If the vehicle has been damaged: you can have it repaired at a garage of your choice.
3. If the vehicle has suffered significant damage and it cannot be repaired from a economical or technical perspective, you will receive compensation according to the cover set out in your policy (replacement cost or value prior to the claim), with a deduction made for the value of the wreck.
    

If your stolen vehicle is found after your compensation has been paid out
 

Once you have received the compensation, you are no longer the owner of the vehicle. You must therefore inform your AXA advisor of any instructions you have been given by the police authorities. AXA will then arrange the recovery of the vehicle.

This information is provided for information purposes only. Always check the general terms and conditions of your policy.