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.
The death of an employee is a distressing situation for both relatives and employers. During this time, other matters take precedence over organizational questions related to company bike leasing.
To relieve employers in this situation, the Bikeleasing Employer Default Insurance (AGAV) also provides coverage in the event of death. It allows for the early return of the company bike and the termination of the leasing contract.
The most important points at a glance
- The death of the company bike user is a covered risk under the AGAV.
- Up to two bikes per employee are insured.
- The company bike can be returned early.
- The leasing contract is terminated early after successful bike return.
- The employer must report the death immediately upon becoming aware of it.
- The death certificate is required as proof and can be submitted later if necessary.
What services does the AGAV provide?
If an employee dies during the lease term, the AGAV takes over the early return of the company bike.
After successful bike return, the leasing contract is terminated early. Further processing is handled by Bikeleasing and the responsible Bikeleasing partner dealer.
This means employers do not have to continue paying the remaining lease installments.
What obligations does the employer have?
For the Bikeleasing Employer Default Insurance to provide coverage, certain conditions must be met.
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Report the death immediately
The employer is obligated to report the death immediately upon becoming aware of it via the Bikeleasing Portal. Early reporting enables quick processing and prompt initiation of the bike return.More information can be found here: How employers report an insurance claim
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Submit the death certificate
The death certificate is required for processing.
If it is not yet available at the time of reporting, the claim can initially be reported with an empty document. The death certificate can be submitted later.
After receiving the return confirmation, the return of the company bike must be arranged.
Important: Early termination of the leasing contract is only possible after confirmed return of the company bike.
How the company bike return process works
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Report the insurance claim
The death is reported by the employer 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 claim
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Receive return confirmation
After receipt of the report and positive review, Bikeleasing sends the return confirmation to the employer and the Bikeleasing partner dealer. If the bike return is to be carried out by the surviving relatives, the employer must forward the return confirmation accordingly.
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Schedule an appointment with the Bikeleasing partner dealer
After receiving the return confirmation, an appointment can be scheduled with a Bikeleasing partner dealer.
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Return the company bike
The company bike must be handed over to the Bikeleasing partner dealer at the agreed appointment in proper and complete condition (including leased accessories).
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Completion of the bike return
The Bikeleasing partner dealer confirms the bike return to Bikeleasing and sends a scan of the signed return confirmation via the Bikeleasing Portal.
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Contract termination
Subsequently, the insurance claim is settled and the leasing contract is terminated. The employer receives notification of the early contract termination.
The affected company bike was purchased through online retail?
Then the bike return process is different.
In this case, the bike return does not take place through a local Bikeleasing partner dealer. Instead, the company bike is collected directly from the employer or the surviving relatives after receipt of the report and positive review. This requires the signed return form.
Please note: Collection can only be arranged once the attached form has been fully completed and signed and returned to Bikeleasing. Without this form, collection is not possible.
A suitable bike box is required for collection. If one is no longer available, it can be arranged independently—for example, online or through a Bikeleasing partner dealer. The costs incurred for this will not be reimbursed.
FAQ / Additional notes
Does the death certificate have to be available at the time of reporting?
No. The report should be made immediately upon becoming aware of the death, even if the death certificate is not yet available. Proof can be submitted later.
Who can return the company bike?
The bike return can be carried out by the employer or by the surviving relatives.
What happens to the leasing contract?
After successful return of the company bike, the leasing contract is terminated early.
Does all accessories have to be returned?
Yes. Leased accessories must be returned together with the company bike.
The company bike was purchased through an online retailer. Does the same return process apply?
No. In these cases, the bike return process may differ. More details can be found under: The affected company bike was purchased through online retail?
Where can I find the full service catalog?
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.