Each plan (Basic, Plus, Premium) insures you against the financial consequences of the basic risks. These are fire, theft, robbery, vandalism, water damages (from pipes) and storm or hail.
Your bicycle is also covered anywhere in the world against theft, if you choose to get thebike add-on.
With the gross negligence add-on you can additionally insure yourself against incidences that could have been avoided by you. With this add-on, we do not check the source of the incident and you will not be subject to any deduction due to gross negligence.