Premium calculation · Vehicles
Bicycle insurance
The reference case costs from €27 to €32 depending on the company. From there, 3 tables with 12 bands in all raise or lower the price - the same steps at every company, a different height.
The reference case
Every factor below is 1.00 for this case. Its price is each company's base, plus the rates on the sums it declares.
- Type
- Bicycle
- Bicycle value (€)
- 900
- Rider's age
- 35
- Postcode
- no postcode: the rural mainland
The tiers
The price of the basic example by tier, base and percentages on the sums insured, at the company with the cheapest and the company with the dearest estimate.
| Plan | Cheapest | Dearest | Spread |
|---|---|---|---|
| Third-party liabilityCovers the damage you do to others. · the reference tier | €27Anytime | €32Generali Hellas | +19%5 companies |
| With personal accidentCovers you as well. | €40Anytime | €49Generali Hellas | +23%5 companies |
| With theftCovers the bicycle itself as well. | €119Anytime | €137Generali Hellas | +15%5 companies |
The factors
The same bands at every insurer, different coefficients
Every figure is one table of the calculation. The two columns in each band are the cheapest and the dearest estimate for the basic example.
From × 1.00 to × 1.53 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | Anytime | Generali Hellas |
|---|---|---|
| bicycle | × 1.00 | × 1.00 |
| e-bike | × 1.53 | × 1.26 |
From × 1.00 to × 1.15 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | Anytime | Generali Hellas |
|---|---|---|
| up to 17 | × 1.15 | × 1.08 |
| 18 – 29 | × 1.00 | × 1.00 |
| 30 – 64 | × 1.00 | × 1.00 |
| 65 and over | × 1.08 | × 1.04 |
From × 0.95 to × 1.10 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | Anytime | Generali Hellas |
|---|---|---|
| Attica | × 1.10 | × 1.10 |
| Thessaloniki | × 1.05 | × 1.05 |
| Large cities | × 1.00 | × 1.00 |
| Rest of mainland Greece | × 0.95 | × 0.95 |
| Islands | × 0.95 | × 0.95 |
| Greece, national average | × 1.02 | × 1.02 |
Rates on declared sums
Whatever is priced on a sum you declare, the value, the building, the capital, enters the price before the factors.
| Cover | In tiers | Cheapest | Dearest |
|---|---|---|---|
| Bicycle theft and damage, 7.6% on €900on €900 | Covers the bicycle itself as well. | 75.6‰€68 · Anytime | 83.2‰€75 · Generali Hellas |
Extra covers
A flat price a year, unless the tier already includes it.
| Cover | Inside the tier | Cheapest | Dearest | Spread |
|---|---|---|---|---|
| Legal protectionA lawyer at the company's expense. In a collision with a car, fault is almost always disputed, and the cyclist is the one who has to prove it. | - | €9Anytime | €11Generali Hellas | +22%5 companies |
| Assistance after an accident or breakdownTransport for you and the bicycle to your home or a workshop, within a radius of a few dozen kilometres. | Covers the bicycle itself as well. | €12Anytime | €15Generali Hellas | +25%5 companies |
| Races and organised ridesMost insurers exclude racing. This extension covers it, along with organised club rides. | - | €13Anytime | €16Generali Hellas | +23%5 companies |
Minimum premium: from €16 to €19 depending on the company. No price falls below its own.