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Ulygo review

Updated October 17, 2026 · SumCue Editorial Team

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Ulygo's 3 October 2024 guide asks customers to provide a photo of the bicycle purchase invoice through their online customer area.

Key facts

Best for
Ulygo bicycle-insurance customers following the application guide published 3 October 2024
Premium from
€3.52↗
Insurance types
Bicycle↗
Provider type
Broker↗
Monthly payments
Yes↗
Support channels
Email, Phone, Chat, Help-centre↗
Official website
ulygo.fr

Facts checked September 28, 2026, 4 sources

Pros and cons

Pros

  • Covers bicycles, electric bicycles, cargo bikes, scooters and gyroscooters
  • Cover is built piece by piece
  • Application and certificate handled fully online

Cons

  • No roadside assistance or breakdown help
  • Engraving and keeping the purchase invoice add paperwork
Ulygo

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Riders insuring a bicycle, e-bike or scooter who want a tailored cover
  • Employers offering bikes to staff through a fleet arrangement

Who should look elsewhere

  • People who need roadside assistance or breakdown help
  • Riders who modify vehicles for higher speeds or use them professionally without declaring it

Claims

Ulygo's 3 October 2024 guide asks customers to provide a photo of the bicycle purchase invoice through their online customer area. These are historical application instructions, not verified current contract terms.

Vehicles and optional protections

Ulygo is a broker focused on soft mobility, covering bicycles, electric bicycles, cargo bikes, scooters and gyroscooters. Cover starts from a base of civil liability and criminal defence, and customers then add the protections they want. Optional protections include theft and attempted theft, damage after a fall and natural disasters. A single device can be insured for up to five drivers. Roadside assistance and breakdown help are not part of the offer, so that support has to come from elsewhere.

Theft and Damage Protection

Theft and attempted theft are optional protections that can be added to the base cover. Damage after a fall is another option, which helps when a bicycle or scooter is harmed in an everyday accident. Natural disasters can also be included, so the cover reaches beyond the usual risks of riding. The bicycle needs to be engraved and its purchase invoice kept, because these details help confirm ownership when a loss occurs. Riders should look closely at the exclusions, particularly for modified vehicles and for professional use that has not been declared.

A Broker for Soft Mobility

The company works as a broker rather than an insurer itself, arranging cover for bicycles, scooters and gyroscooters. Partner insurers carry the risk behind the policies. A separate arrangement is available for businesses that provide bicycles or electric bicycles to their staff as a means of getting to work. The whole offer is built around soft mobility, which keeps the focus narrow and specialist and means the vehicles covered are the core of the business.

Who Gets the Most Value

The offer is built for people who want a personal, piece-by-piece cover for a modern vehicle and who are happy to manage everything online. It is most useful for riders with a bicycle or scooter that is worth protecting, since theft and damage protection can be chosen where the risk matters. The arrangement is less useful for anyone who expects roadside help as part of the package, because that is absent. Careful choices count for a lot, since a cover built from options only works when the right protections are picked for the actual risks of everyday riding in towns.

How Ulygo compares

Frequently asked questions

What uses fall outside the cover?+

Exclusions apply to vehicles that have been modified to go faster than their standard speed, and to professional use that has not been declared. Riders should check these limits against how the vehicle is actually ridden. The point matters most for anyone who uses a bicycle or scooter for work.

Does the cover include roadside help?+

No, roadside assistance and breakdown help are not part of the offer. Riders who want help after a breakdown will need to arrange that through another provider, which is worth thinking about before choosing a cover for longer rides or daily commuting.

What kinds of vehicles can be insured?+

Bicycles, electric bicycles, cargo bikes, scooters and gyroscooters are all within the range. Because the cover is put together piece by piece, the protections chosen for a cargo bike can differ from those picked for a standard bicycle, so each vehicle is matched to its own risks.

Can more than one person ride the same insured device?+

Yes, a single device can be insured for several drivers, which is useful for households or small groups who share one machine. Everyone who rides it should be known from the start, so the cover reflects who actually uses the vehicle and how often.

What does the individual accident cover do?+

The individual accident protection pays a capital sum when the insured person dies or becomes disabled. It is a separate choice aimed at the rider's own injuries rather than damage to the vehicle, and it can sit alongside the theft and damage options when those are needed.

Why does the bicycle need to be engraved?+

Engraving the frame is a condition attached to the cover, so the bicycle carries an identifying mark. Keeping the original purchase invoice alongside it helps show what the machine is worth and when it was bought, which matters if a claim is ever made.

Is the cover built for people who ride every day?+

The cover can work for people who want theft and damage protection on a bicycle used every day, provided the engraving and purchase invoice are in order. Anyone who depends on roadside help should look for that elsewhere, since the offer leaves it out entirely.

Sources

Compiled from 4 source pages, checked October 17, 2026. We did not open an account.

Ulygo

Ulygo

Ulygo bicycle-insurance customers following the application guide published 3 October 2024

9.0/10Visit