'Total loss' refers to two situations:
- Theft: If your bicycle is stolen and cannot be recovered.
- Severe damage: If your bicycle is damaged to the point that repairing it would cost more than its current value.
If your bike is considered a total loss, you're covered.
Important: If you think your bike is a total loss, you should always fill in the online claim form, even if you're unsure about your eligibility. This ensures that your claim is properly recorded and processed.