Are you covered in the event of a bicycle accident?

What should you do immediately after a cycling accident?

Faced with the shock of a cycling accident, remaining calm is essential to ensure your safety and protect your rights to compensation. First of all, move to safety and secure the area to avoid a secondary accident. If you or a third party are injured, contact the emergency services immediately (112 in Luxembourg). If the situation allows, collect the contact details of any witnesses present and take clear photos of the scene, the damage to your bike and the other vehicle involved. This visual evidence will prove crucial when submitting your claim.

Steps to follow after a cycling accident:

Cycling accident and accident report form: is it mandatory?

The use of an accident report form is not reserved only for motorists!
Although it is not legally mandatory, completing an accident report form after a cycling accident involving a third party (car, pedestrian or another cyclist) is strongly recommended. This standardised document records the facts objectively, collects the signatures of both parties and helps avoid later disputes. Complete it carefully at the scene of the incident: it will form the basis of your insurer’s analysis in determining liability and starting your compensation process quickly.
 

When and why should you contact the police after a cycling accident?

Au Luxembourg, the intervention of the Grand Ducal Police (via 113) becomes mandatory as soon as a cycling accident results in bodily injury, even minor injuries. Beyond the medical aspect, calling the police is strongly recommended in the event of a hit-and-run by the other road user, or refusal

What to do if I hurt someone or damage a car

You’re riding your bike when an unusual thud attracts your attention. You turn your head to the left to check what’s going on and see works in the distance. As you look ahead again, probably because of a bump in the road, your bike wobbles and you hit a car parked along the road. Luckily, you’re not hurt. The saloon, on the other hand, now has a spanking new scratch running down the length of its side.

The Civil Liability coverage will cover the cost of repairs. Remember to ask for it under your home insurance, as it isn’t always included in the basic package.

What to do if I hurt myself falling off my bike

You've just got yourself a new electric bicycle that you're riding for the first time around the block. After a few minutes, you’ve got the knack. At the end of the day it's like a traditional bike, only faster and heavier. Happy with your progress, you’re ready to head home. You pick up speed and give a boost to get on the pavement between you and your home. But the bike struggles to get up, so you hit the pavement hard before falling back on your bike. The result: a broken rib.

The costs related to medical care are covered by social security (or the accident insurance association - AAA- in case of an accident during a professional journey). You can also use your complementary health insurance to reimburse medical expenses that are not covered.

To protect yourself in the event of a more serious accident (death or disability), you need to take out individual “accident” insurance. This type of policy provides for the payment of indemnities according to the terms and conditions specified at the time of subscription. In the event of permanent disability, you receive a benefit whose amount is linked to the degree of disability you suffer. In the event of death, the capital is paid to your spouse or your heirs, in order to protect your family financially.

What to do if I break my bike

You can insure your valuables against theft and breakage as part of your home insurance policy. Advantage: your objects are covered wherever you are, even abroad. Please note that this is an option to be added to your base contract.