Pay-per-cycle Insurance
10 Cycling Trips
HK$ 380
($ 38 / trip)
Valid for 6 months ．6 hrs protection / trip
As cyclists we often experience:
Struggling to clip into our pedals
Losing our balance and then hurting ourselves - we've all been there.
Unpredictable road conditions
From dealing with reckless drivers, uneven surfaces, gutters or even wild animals that come out of nowhere!
Bike theft
Having our bikes stolen even when they're locked up.
Other than our helmets, are we fully prepared for the unexpected on the road?
coverage includes:
1a. Accidental Medical Expenses
Cover up to HK$ 15,000 medical expenses
For Chinese bone-setting or acupuncture therapy, you can reimburse up to HK$ 5,000 with HK$ 500 deductible per accident.
1b. Extension of Accidental Medical Expenses: Cover for Damage of Bike
Cover up to HK$ 10,000
If your bike is accidentally damaged in the same accident, you can reimburse 80% of the cost associated with repair and replacement up to HK$ 10,000.
(This Benefit is only payable if the Benefit for Accidental Medical Expenses is payable for the same Accident.)
2. Cover for Theft of Bike
Cover up to HK$ 10,000
80% of the cost associated with replacement is subsidized per accident or incident.
10 Cycling Trips
HK$ 380
($ 38 / trip)
Valid for 6 months ．6 hrs protection / trip
Eligibility: 18 - 55 years old with a valid HKID
Please refer to BYKE Pro Policy Provisions for more exclusion details.
Covering all legally acceptable roads and areas for cycling across Hong Kong!
By your side for every pedal stroke, protecting you all the way. Check out our map and plan your next ride!
Get protected in 1 tap!
Hong Kong's first MicroInsurance product covering you and your bike
BYKE Pro is issued by Assicurazioni Generali S.p.A.(Hong Kong Branch) (“the Company”), an authorised insurer in Hong Kong, and arranged by YAS Digital Limited. The Company reserves the right to accept or decline any application.
How does YAS make claims easier for you?
Submit claim on YAS APP
No more paper forms! Submit a claim online with required documents.
We’ll handle everything for you
Get instant help right away from YAS team. We’re just one text away!
We speed up the claim process
Get claim results in 5 working days!
Frequently Asked Questions
2. What does BYKE Pro cover?
Your coverage amount depends on the types of accidents and the injuries or damages caused. For more details, please refer to BYKE Pro Policy Provisions.
1. Accidental Medical Expenses - HK$ 15,000 (For medical expenses paid to Chinese Bonesetter or Acupuncturist, benefit limit is HK$ 5,000 with HK$ 500 deductible per accident.)
2. Extension of Accidental Medical Expenses - Cover for Bike Damages - HK$ 10,000 (Subject to 20% of total claim amount as deductible per incident or accident; this benefit is only payable if the benefit for Accidental Medical Expenses is also payable.)
3. Cover for Theft of Bike: HK$ 10,000 (Subject to 20% of total claim amount as deductible per incident or accident.)
Don't worry. After you've submitted all the requested claim documents and information, we will process your claim with the underwriter and insurer.
1. Accidental Medical Expenses - HK$ 15,000 (For medical expenses paid to Chinese Bonesetter or Acupuncturist, benefit limit is HK$ 5,000 with HK$ 500 deductible per accident.)
2. Extension of Accidental Medical Expenses - Cover for Bike Damages - HK$ 10,000 (Subject to 20% of total claim amount as deductible per incident or accident; this benefit is only payable if the benefit for Accidental Medical Expenses is also payable.)
3. Cover for Theft of Bike: HK$ 10,000 (Subject to 20% of total claim amount as deductible per incident or accident.)
Don't worry. After you've submitted all the requested claim documents and information, we will process your claim with the underwriter and insurer.
3. How many cycling routes are covered?
BYKE Pro covers all legally acceptable roads and areas for cycling across Hong Kong! If you have suggestions or feedbacks, email us at rylie@hk.yas.io! We’d be more than happy to hear from you.
Only the designated cycling roads and areas accepted by Assicurazioni Generali S.p.A.(Hong Kong Branch) are covered, which is subject to change from time to time without prior notice. Please check the map before activating your trip.
Only the designated cycling roads and areas accepted by Assicurazioni Generali S.p.A.(Hong Kong Branch) are covered, which is subject to change from time to time without prior notice. Please check the map before activating your trip.
4. What are the major exclusions?
The following is only a summary of the major exclusions. Please refer to the policy provisions for more details.
General Exclusions:
Pre-existing conditions, self-inflicted injury, acts of war, illegal acts, pregnancy, mental disorders, conditions caused by chronic alcoholism or drug addiction, congenital anomalies, accident caused by typhoon number 8 or above or black rainstorm warning, routes not accepted by the Company, sports in a professional capacity or for income, mountaineering or competition.
Special Exclusions Applicable to Specific Coverage:
Extension of Accidental Medical Expenses - Cover for Damage of Bike:
faulty or defective design, mechanical breakdown, wear and tear, maintenance work, hired or leased equipment, repair or replacement of any tires or valves or Accessories, scratches or any cosmetic change, failure to use or maintain the bike in accordance with manufacturer's instructions.
Cover for Theft of Bike:
Hired or leased equipment, replacement of any tires or valves or Accessories, left unattended without any locks, theft by a person to whom the bike is entrusted by you.
This FAQ serves as a general guideline only. For details of coverage and exclusions, please refer to BYKE Pro Policy Provisions.
General Exclusions:
Pre-existing conditions, self-inflicted injury, acts of war, illegal acts, pregnancy, mental disorders, conditions caused by chronic alcoholism or drug addiction, congenital anomalies, accident caused by typhoon number 8 or above or black rainstorm warning, routes not accepted by the Company, sports in a professional capacity or for income, mountaineering or competition.
Special Exclusions Applicable to Specific Coverage:
Extension of Accidental Medical Expenses - Cover for Damage of Bike:
faulty or defective design, mechanical breakdown, wear and tear, maintenance work, hired or leased equipment, repair or replacement of any tires or valves or Accessories, scratches or any cosmetic change, failure to use or maintain the bike in accordance with manufacturer's instructions.
Cover for Theft of Bike:
Hired or leased equipment, replacement of any tires or valves or Accessories, left unattended without any locks, theft by a person to whom the bike is entrusted by you.
This FAQ serves as a general guideline only. For details of coverage and exclusions, please refer to BYKE Pro Policy Provisions.
5. How do I start the claim process if I have an accident?
In the YAS MicroInsurance App:
1. Tap "Account" on the menu list.
2. Tap "Past Activities"
3. Click on the completed trip that you would like to claim
4. Tap "Claim" and fill in the required information
5. For anything urgent or if you require additional support, contact us at rylie@hk.yas.io and we will do our utmost to help.
1. Tap "Account" on the menu list.
2. Tap "Past Activities"
3. Click on the completed trip that you would like to claim
4. Tap "Claim" and fill in the required information
5. For anything urgent or if you require additional support, contact us at rylie@hk.yas.io and we will do our utmost to help.
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Insurance for your cycling journey
Ride fearlessly on the road
10 Cycling Trips
HK$ 380
($ 38 / trip)
Valid for 6 months ．6 hrs protection / trip
