You can make a claim by filling in an application form in the Citadele app: More > Insurance > My insurance.

• In case of damage to your property: losses can be compensated either with a transfer to your account, or by paying an invoice for repairs or the purchase of a new vehicle.
• In case of injury: the amount of compensation will be calculated as set out in the description of specific risks.
• Civil liability insurance: we will compensate the amount requested by the 3rd party who has incurred losses.

You do not need to register your bicycle. 

Balcia Insurance SE's purchase insurance policy covers the difference in price if the store where you purchased a product reduces the price by €20 or more within 30 days of purchase.
The following cannot be take into account when calculating the price difference:

• Gift cards, coupons, loyalty cards or employee bonus programmes;
• Prices for service agreements, special financing or additional benefits (delivery, setup etc.);
• Prices set if the seller becomes insolvent, goes into liquidation or is liquidated, the store is closed for reconstruction, or for prices set for cash purchases;
• Special campaigns (such as Black Friday, end of the season etc.), sales;
• Prices set for specific customer categories (club or association members, etc.). 

Yes, preferrably, because it covers incidents not covered by the manufacturer's warranty. such as theft or damage caused by being dropped. 

If an incident occurs:

1. Contact the relevant authority to notify them of the incident (medical services, if there has been an accident; the police, if there has been a theft, robbery or traffic accident; the fire service, if there has been a fire; the emergency gas service, if there has been an explosion, etc.), take measures to avoid and reduce losses, ensure that the circumstances of the incident and any damaged objects are photographed or filmed, and contact Balcia Insurance SE as soon as possible.

2. If possible, submit the extent of damage to Balcia Insurance SE:

• If your property is damaged, an invoice/quote for potential repairs or replacement;

• In case of an injury, a statement from your doctor regarding your injury.

3. A decision on your claim will be made and sent to you no later than five (5) days from the time we recieve all the documents we need to determine the reasons, circumstances and effects of the incident and calculate the amount of compensation required.

A decision on the disbursement of compensation will be made and sent to you no later than five (5) days from the time we have received all the documents necessary for determining the reasons, circumstances and consequences of the incident and calculating the amount of compensation.