All information in this article is for general guidance only. For decisions regarding benefits or claims, only the insurance terms and conditions in force at the time apply. In case of doubt, the terms and conditions always take precedence.
If an employee is permanently unable to work due to health limitations, the Employer Loss Insurance (AGAV) offers a clear solution for the existing company bike lease.
Unlike long-term illness, the focus here is not on reimbursing lease payments. Instead, the early return of the company bike terminates the lease agreement. This creates a clear and final arrangement for all parties involved.
The Most Important Points at a Glance
- Full disability/incapacity for service is an insured risk under AGAV.
- Up to two bikes per employee are insured.
- The user returns the company bike early.
- The lease contract ends early after successful bike return.
- A corresponding proof of full disability or incapacity for service is required.
- The employer reports the case via the Bikeleasing portal.
What Benefits Does AGAV Provide?
In the event of disability/incapacity for service, AGAV takes over the early return of the company bike.
After successful return, the lease contract ends. There are no further obligations under the lease agreement.
The further process is handled by the Bikeleasing service in cooperation with the responsible partner dealer.
What Are the Employer’s Responsibilities?
To claim the benefit from AGAV, timely reporting and submission of appropriate proof are required.
The insurance case must be reported within 14 days of the determination of disability or incapacity for service.
Proofs are required for verification that clearly demonstrate full disability or incapacity for service.
These include, in particular:
- Pension notice for full disability,
- Notice of full incapacity for service,
- if applicable, additional documents for case-by-case review.
Subsequently, the return of the company bike must be arranged. The return should be organized promptly after receiving the return confirmation and coordinated with the responsible partner dealer.
Important: The early termination of the lease contract is only possible after confirmed return of the company bike.
How the Return of the Company Bike Works
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Report the Insurance Case
Full disability/incapacity for service is reported via the Bikeleasing portal.
A step-by-step guide and all required information can be found in the following article: How Employers Report an Insurance Case
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Receive Return Confirmation
After receiving the report and positive verification, the Bikeleasing service issues and sends the return confirmation to the company bike user and partner dealer. The employer is also notified by email about the bike return.
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Schedule an Appointment with the Partner Dealer
After receiving the return confirmation, an appointment can be scheduled with the responsible Bikeleasing partner dealer.
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Return the Company Bike
The company bike must be handed over to the partner dealer at the agreed appointment in proper, complete, and roadworthy condition (including leased accessories).
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Completion of the Bike Return
The partner dealer confirms the bike return to the Bikeleasing service and submits a scan of the signed return confirmation via the Bikeleasing portal.
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Contract Termination
Afterwards, the Bikeleasing service settles the insurance case and terminates the lease contract. The employer receives a notification about the early contract termination.
Was the Affected Company Bike Purchased Online?
Then the bike return process is different.
In this case, the bike return does not take place via a local partner dealer. Instead, the company bike is collected directly from the user after receipt of the report and positive verification. A signed return form is required for this.
Please note: Collection can only be arranged once the attached form is fully completed and signed by the user and returned to the Bikeleasing service. Without this form, collection is not possible.
A suitable bike box is required for collection. If this is no longer available, it can be arranged independently—for example, online or through a partner dealer. The Bikeleasing service does not cover these costs.
FAQ / Additional Notes
What is the difference compared to long-term illness?
In the case of long-term illness, AGAV reimburses the lease payments and the company bike remains with the employee.
In the case of disability/incapacity for service, the user returns the company bike and the lease contract ends early.
Does the company bike have to be returned?
Yes. In this insurance case, AGAV’s benefit consists of the early return of the company bike.
Who reports the insurance case?
The report is made by the employer via the Bikeleasing portal.
More information can be found here: How Employers Report an Insurance Case
What proof is required?
Proof of established full disability or incapacity for service is required.
What happens to the lease contract?
After successful return of the company bike, the lease contract ends early.
Can the company bike be kept in case of disability?
In the insurance case, the company bike must be returned and the lease contract is terminated early. Alternatively, depending on the contractual agreement, early buyout can be made by either the employer or the employee. In this case, the company bike becomes the respective owner’s property.
Where can I find the complete list of benefits?
Insurance for Employers
Translation Note: This article has been translated using automatic translation software to provide the reader with a basic understanding of the content. Despite reasonable efforts to provide an accurate translation, we cannot guarantee its accuracy.
If there are any questions regarding the accuracy of the information in the translated article, please refer to the German version of the article, which is the official version.