BTA Bike policy is an insurance service for natural persons – lovers of bicycles or cycling.

Please note that the insurance cover under the BTA Bike policy is not valid when performing economic activities with the help of a bicycle, for example, providing bicycle courier or bicycle rickshaw services.

When purchasing bike insurance, you should consider the following:

• Property insurance protection (insured risks – total destruction or theft, repair costs) is valid for the bicycle specified in the policy. On the other hand, accident and civil liability insurance is valid for the person who is indicated as the insured person;
• When travelling by bicycle, you must follow the Road Traffic Rules.

The policy is valid within the territory of the member states of the European Economic Area and the United Kingdom.

On the BTA website, it is possible to purchase separate policies for each bicycle, adding a single cyclist as an insured person to each bicycle insurance policy, so that in the event of an accident, the cyclist is covered both by the accident and the civil liability insurance.

For example, if you want to insure your sports bicycle and your child’s bicycle- complete the bicycle insurance application for your sports bicycle online and add yourself as the insured person. For the child, complete a second bicycle application and indicate the child as the insured person. Both bicycles will be insured; in addition, you and the child will be insured in the event of an accident; moreover, all of you will be insured for civil liability in case of damage to a third party.

Do you want to include all bicycles and insured persons in one policy? Contact us +371 26 12 12 12.

With the BIKE PLUS policy, it is possible to insure: scooters, electric bicycles, electric scooters, Segways and other electric means of transportation whose maximum speed does not exceed 25 km/hour, whose mass does not exceed 25 kg and the power of the electric motor does not exceed 250 W. It is also possible to insure skis, snowboards, skates, SUP boards, windsurfing equipment, wakeboarding equipment, kayak, canoe. To insure the above equipment, contact BTA +371 26 12 12 12.

For your safety, the bicycle should be registered with the Road Traffic Safety Directorate (CSDD); however, it is not mandatory for acquiring the Bike policy.

The person specified on the insurance policy, while travelling by bicycle.

The policy is valid throughout the year.

If an accident has occurred, proceed as follows:

• In case of theft, robbery or traffic accidents, the incident must be reported to the police.
• In case of injury, seek medical help.
• Report the incident to BTA at +371 26 12 12 12 as soon as possible and, if possible, take photos of the site of the accident.

Insurance product information document 

Accident insurance terms and conditions

Terms and conditions No. 8-2  (version valid for policies issued from 05.06.2018)

+ Annex which refers to the protection included in BTA bike insurance policy:

Annex No.2 to Terms and conditions No. 8-2 

Annex No.3 to Terms and conditions No. 8-2 

Home insurance terms and conditions (with regard to property insurance)

Terms and Conditions No 3F-3  (version applicable to policies issued after 01.07.2015)

General terms and conditions of civil liability insurance

Terms and Conditions No 1  (version valid for policies issued from 01.09.2020)

Terms and Conditions No 21.01  (version valid for policies issued from 31.01.2012)

Terms and conditions of general civil liability insurance of individuals

Terms and Conditions No 1304.1 (in latvian)  (version valid for policies issued from 01.09.2020)

Terms and Conditions No 21.01.-01  (version valid for policies issued from 28.08.2013)

General insurance terms and conditions

Terms and Conditions No 4  (version applicable to policies issued after 18.03.2019)

Terms and Conditions No 3  (version applicable to policies issued after 13.12.2011)