Terms and Conditions

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APPENDIX 1: TERMS OF SERVICE

APPENDIX 2: INSURANCE CONDITIONS

APPENDIX 3: TERMS OF THE 24-HOUR REPARATION SERVICE

APPENDIX 4: RETURN PROTOCOL


Terms and conditions from February 1st 2024

For all lease contracts started at or after the first of February 2024

APPENDIX 1: TERMS OF SERVICE

Article 1 – RMT service package

1.1                       When concluding the lease contract the Employee must select a Repair, Maintenance and Tyre (RMT) service package for the Lease Bicycle. The Employee may choose from four (4) options for this RMT service package:

 

Basic RMT Service Package: the service costs relating to repairs, maintenance and/or tyres are reimbursed up to €100 including VAT per year. Service costs exceeding this amount are payable by the Lessee. The Lessee may select the Basic RMT service package for all types of bicycles, with the exception of e-bikes.

 

Standard RMT Service Package: the service costs relating to repairs, maintenance and/or tyres are reimbursed up to €150 including VAT per year. Service costs exceeding this amount are payable by the Lessee. For e-bikes at least the Standard RMT service package is required.

 

Premium RMT Service Package: all service costs relating to repairs, maintenance and/or tyres will be reimbursed. The Lessee does not have to pay any excess for this package. Service requests submitted during the last six (6) months of the lease contract will only be considered and accepted if the service request is necessary for the safety or proper functioning of the Lease Bicycle. If LAB believes (at its own discretion) that there is no necessity as referred to in the previous sentence, it may refuse the service request. The Lessee may only select the Premium RMT service package in respect of lease contracts for e-bikes.

 

S-Pedelec RMT-Service Package: the service costs relating to repairs, maintenance and/or tyres are reimbursed up to €300 including VAT per year. The S-Pedelec RMT Service Package is included as standard when leasing an S-Pedelec. Any service costs exceeding this amount are payable by the Employee.

 

1.2                       The RMT service packages only include repairs, annual maintenance and/or service necessitated as a result of wear and tear and that affect the operational safety or proper functioning of the Lease Bicycle.

1.3                       The 24-hour repatriation service to the LAB dealer is included standard in all aforementioned RMT service packages (see Appendix 3 for the Terms of 24-hour Repatriation Service conditions). The costs of repatriation will not be charged to the annual RMT service budget.

Article 2 – Exceeding the RMT service package

2.1                       Before a service request is performed the Lessee must inform the Dealer that the Lease Bicycle is the property of the lease company and that the Dealer should initially not charge the costs to the Lessee.

2.2                       If the Lessee requests the Dealer – under the RMT service package – to service the Lease Bicycle, the Dealer will check the available budget with LAB before commencing the work. This budget depends on the selected RMT service package referred to in Article 1.

2.3                       If LAB informs the Dealer that all or part of the service costs are not covered by the applicable RMT service package, the Dealer must inform Lessee accordingly. The Lessee must agree in writing (e.g. by e-mail) that he/she is fully or partially responsible for the costs of this work and that he/she will pay the Dealer’s related invoice. If the Employee refuses to accept this, the Dealer may not service the bicycle.

2.4                       If the Dealer makes enquiries at LAB and it transpires that the costs for performing the intended service are not covered by the applicable RMT service package or result in the annual maximum budget being exceeded, all or part of these service costs will be charged to the Lessee. The Dealer’s relevant invoice will in that event be payable by the Lessee.

 

Article 3 – Other terms of service for regular maintenance and non-damage

3.1                       Repairs that are necessary due to an incident or loss event as referred to in the Insurance Conditions will be assessed and settled in accordance with the Insurance Conditions referred to in Appendix 2.

3.2                       The costs of replacing tyres due to normal wear and tear are not charged to the Lessee. However, the costs of replacing tyres will be passed on to the Lessee if the Lease Bicycle has been used inexpertly or in case of excessive wear and tear, for example because of consistently low tyre pressure.

3.3                       Replacement transport, to bridge the period during which the Lessee cannot use the Lease Bicycle because of maintenance, repairs and tyre replacement, is not covered by the lease contract. The costs of replacement transport (rented bicycle) are payable by the Lessee.

3.4                       The Lessor is not liable for damage that has occurred or that is possibly related to the manner in which maintenance or repair work has been performed. The Lessee may not invoke this damage as ground for suspending his/her payment obligations towards the Lessor.

3.5                       All costs associated with maintenance, repairs and replacement of tyres that are not covered by the Contract are payable by the Lessee and may be charged to the Lessee.


APPENDIX 2: INSURANCE TERMS AND CONDITIONS

In the event of theft the lease bike is insured against:

·      Theft. This includes any damage to the lease bike and accessories caused:

a.     By an attempted theft.

b.    During the period the bicycle was stolen

·      Damage. This includes any damage to the lease bike caused by an accident, fall, or any other external cause of damage. Damage to the helmet is also insured if this is caused by a fall or accident involving the lease bike.

 

In case of theft, the Employee must:

·      Report the theft to the police.

·      Notify the dealer of the theft as soon as possible, and submit the police report (stating the frame number of the bicycle).

·      Keep the original keys of the lock for three (3) months; at least one (1) key must show signs of use. If the Lessee uses an electronic lock he/she must prove, by means of an e-log, that the bike was properly locked. The manufacturer of the bike can usually help with this.

 

In case of damage, the Employee must:

·      Report the damage to the Dealer as soon as possible.

·      Limit the damage as much as possible.

 

Compensation in case of theft

If the insurer has confirmed that the stolen bicycle will be reimbursed, a new, similar bicycle (of the same purchase price) will usually be made available to the Lessee. If the price of a new, similar bicycle has increased, the difference is payable by the Lessee. If, for any reason, it is not possible to offer a similar bicycle, or not within a reasonable period of time, the Lessee has the following two options: 

1) The Lessee selects another bicycle for up to the original purchase price of the stolen bicycle, or 

2) The Lessee terminates the Contract free of charge. In this situation, no insurance excess applies.

If a similar bicycle is available within a reasonable period of time, the Lessee may also decide not to take a new bicycle under the existing lease contract, but to terminate the existing lease contract free of charge, subject to the condition of entering into a new lease contract. In that case, the insurance excess, if any, does not apply (see the table ‘Excess payable by the Lessee for each claim’). 


Loan e-bike

In case of damage or theft, the Lessee is entitled to use a loan bicycle for up to seven (7) days, provided that one is available at the dealer. 

If the Lessee has a lease contract for an e-bike or speed pedelec, the Lessee is entitled to a loan e-bike. If the dealer does not have a loan e-bike available, another bicycle may be offered. 

If the waiting period for a new bicycle is more than seven (7) days, this will be at the expense and risk of the Lessee. It is not possible to (temporarily) suspend the Contract and the Lessee is not entitled to any compensation in case of delays in the delivery.

Insurance excess payable by the Lessee for each claim ("Table 1")


Schermafbeelding 2024 01 26 Om 1434 05

* This means that the insurer will not reimburse the first €25.00 of each claim. This is payable by you and must be paid directly to the dealer.

Removable display

If a display is removable, there is no cover for theft. These costs will therefore be fully payable by the Lessee.

 

GPS tracking and recovery

For bicycles equipped with a GPS tracking system with a recovery service, the excess described in table 1 under “Theft - GPS tracking & Recovery | Present” applies, provided that it can be demonstrated to the dealer that the theft was reported to the connected alarm centre.

 

The lease bike is not insured:

·      If damage is caused and/or aggravated by fault, with permission, or by reckless behaviour.

·      In case of fraud, attempted fraud, or providing false information.

·      If the cyclist was under the influence of alcohol, drugs or medication to such an extent that cycling was forbidden by law, or if the cyclist refuses to cooperate in an investigation in this regard.

·      Against damage caused by normal use. This includes wear and tear or damage to tyres, bells, coat guards, cables, carrier straps and damage caused by scratches, unless other damage has been caused to the insured object as a result of the same insured event.

·      Against damage to the battery if the battery still functions normally.

·      If the maintenance and repair instructions have not been followed or if the bicycle has been tampered with.

·      During participation in competitions or training for that purpose.

·      If the bicycle was not locked when it was stolen. Locked means an ART approved lock (category two or higher).

·      If the stolen bicycle is a racing bike or ATB, and:

·     It was left without direct supervision and was not fastened to a fixed object with an ART approved lock (category two or higher).

·     It was visibly left in a motor vehicle and there are no signs of forced entry to the motor vehicle, or if it was left on a bicycle or roof rack.

 

If a speed pedelec is chosen , the Employee is automatically insured for:

Third-party liability (only S-Pedelecs)

·      This covers damage to other persons and/or property caused by or with the bicycle.

·      Damage to or caused by the following is not covered:

·      The insured and his/her possessions.

·      A passenger who uses the bicycle without permission.

·      Someone who has obtained the bicycle through theft or an act of violence.

·      While the bicycle was outside the EU for more than six (6) consecutive months.

·      Compensation for each loss event:

·      For damage to property, up to a maximum of €2,500,000.

·      For damage to persons, up to a maximum of €6,100,000.

 

What does the insurer expect from the Employee:

·      Duty of care

The Employee must take all precautions to prevent loss or damage. This includes securely guarding the original bicycle keys and not leave these unattended.

·      Lock and original bicycle keys

The Employee must have duplicate bicycle key(s) made by the lock manufacturer if the lock is replaced or the original bicycle keys are lost.

 

The bicycle is insured within the European Union. If the bicycle is stolen, the Lessee must report the theft in the country where the bicycle was stolen.

 

Communication.

In certain cases, the insurer may contact the Employee directly. In that event the insurer will receive the necessary personal data from Volkswagen Pon Financial Services (VWPFS). This contact will occur if needed to perform the insurance contract. This can be done to change the Employee’s obligations, provide help or information about loss events, if fraud is suspected or to implement legal measures.

 

How does the insurer handle the Employee’s personal data?

If the insurer has contact with the Employee, it can register his/her data. The insurer will handle the Employee’s data with all possible care. Privacy legislation applies in this regard. If you would like more information about your privacy, The insurer complies with the Insurers’ Code of Conduct for Processing Personal Data when processing personal data. This code can be consulted on the Dutch Association of Insurers’ website.

 

Fraud

Insurance is based on trust. The insurer therefore makes every effort to discover and investigate fraud. If fraud is discovered, the insurer can take measures including:

·      Recovering an insurance payout from the Employee.

·      Charging the additional costs it incurs, such as internal investigation costs.

·      Terminating all the Employee’s insurance policies with the insurer and/or entering personal data in the internal incidents register. This register is only accessible to the Special Cases department.

·      Reporting the matter to the police and reporting the fraud to the Central Information System Foundation (Stichting CIS) and/or the Centre for Combating Insurance Fraud. In this way other insurers are warned about fraudsters.

APPENDIX 3: TERMS OF THE 24-HOUR REPARATION SERVICE

1.   The Lessee is entitled to a 24 hour breakdown service from the ANWB in the Netherlands for 365 days per year during the term of the lease contract. The aim of the service is to enable repair and maintenance of the bicycle under the ROB service package if the Lessee is on the road. The Lessee is not entitled to the service at his own home address.


2.   The breakdown service of the ANWB can only be called via the ANWB service line which has been set up especially for Lease a Bike: telephone number 0592 390 471.


3.   The breakdown service will first try to resolve the cause of the stranding by telephone. If this is unsuccessful, a mechanic will come on site and try to repair the lease bicycle. If the mechanic also fails to repair the bicycle on location, the mechanic will proceed to repatriate it (see 3.4).


4.   If it is not possible to repair the lease bicycle on location, the Lessee is entitled to repatriate himself and the lease bicycle up to a maximum of 30 km. The defective bicycle will be transported (at the discretion of the Lessee) to: 1) the starting point of the bicycle tour, 2) the end point of the bicycle tour, or 3) a Lease a Bike dealer of his choice.


5.   If the bicycle is repaired on location, the mechanic may in some cases charge the Lessee directly for the costs of parts. The Lessee can claim these costs 1:1 from Lease a Bike, after which these costs will automatically be deducted from the ROB budget of the Lessee (if the ROB budget is sufficient).


6.   If the Lessee is involved in an accident with personal injury, the Lessee is entitled to personal injury advice and possibly legal assistance from 'DAS Rechtsbijstandverzekeringen', telephone 020 651 7215.


APPENDIX 4: RETURN PROTOCOL

Terms & Acquisition

At the end of the lease period or if the Lease Contract ends, the Employee to whom the Lessee has made the Lease Bicycle available has the possibility to purchase the Lease Bicycle. The Employee is the rider of the Lease Bicycle; he/she may purchase the Lease Bicycle in the condition it is in “as is, where is”) - with due observance of any other applicable conditions. If the Lease Bicycle is purchased, the lease company and LAB NL give no warranty regarding the quality and/or condition of the Lease Bicycle on the purchase date.

 

If the Employee does not purchase the Lease Bicycle, he/she must return the Lease Bicycle, the accompanying keys, and all accessories, documents and other add-ons to the Dealer within one (1) day after the expiry of the lease period/after the end of the lease contract. The Dealer will check the Lease Bicycle on the basis of this return protocol. The Dealer will record its findings on the condition of the Lease Bicycle in a written inspection report. This inspection report must be signed by both the Dealer and the Employee to whom the bicycle has been made available by the Lessee.

 

If the Employee does not purchase the Lease Bicycle (with the accompanying keys, accessories, documents and other add-ons) and fails to return the Lease Bicycle to the Dealer within the period mentioned above, the Lessee will forfeit an immediately due and payable penalty equal to one monthly Lease Instalment. If the Lessee continues to fail to comply with this obligation after a demand from the Lessor, the Lessee will additionally forfeit an immediately due and payable penalty of EUR 50 for each week that this breach continues, with a maximum of EUR 1,000 in aggregate. The specific rules regarding the purchase of the Lease Bicycle are laid down in the Collaboration Agreement concluded between LAB and the Lessee.

Return Scheme

During the inspection the Dealer will also determine whether all parts and accessories forming part of the Lease Bicycle are present and/or whether the signs of use are commensurate with the purpose and duration of use of the Lease Bicycle. A distinction will be made between acceptable signs of use and unacceptable signs of use (damage).

 

The following criteria are used to determine whether the Lease Bicycle and all parts forming part of the lease contract have been properly returned:

·    the Lease Bicycle must be returned in its original condition (including battery, luggage carrier(s), lights, etc.);

·    all keys (at least two (2)) must be returned;

·    the warranty certificate must be returned (this applies only if the Lease Bicycle is returned prematurely), and

·    all accessories included in the lease contract must be returned.

 

If it is concluded that not all parts pertaining to the lease contract have been returned, these must be returned within five (5) business days at yet. If this period is exceeded, the costs for replacing the parts concerned are payable by the Employee.

The following criteria are used to determine whether the Lease Bicycle shows signs of excessive use:

·    the Lease Bicycle must be fully functional;

·    the Lease Bicycle must be in adequate state of repair; and

·    the visible signs of use must be the result of normal use or normal wear and tear.

If it is found upon returning the Lease Bicycle that it does not meet the criteria regarding acceptable use, the repair costs, to be determined by the Lessee, will be payable by the Lessee.

 

Below a non-exhaustive list of signs of use is given that are considered unacceptable (damage):

·    non-functioning parts;

·    missing parts;

·    broken, seriously deformed or dented parts;

·    deep scratches and abrasions that do not disappear after polishing;

·    tarnishing or corrosion of the paint (e.g. because of bird droppings, stickers);

·    inexpertly repaired parts;

·    holes, corrosion or damage caused by removing accessories;

·    defective or torn saddle;

·    defective inner and/or outer cables (brake or gear cables). 

Terms and conditions till February 1st 2024

For all lease contracts started before the first of February 2024

APPENDIX 1: TERMS OF SERVICE

Article 1 – RMT service package

1.1                       When concluding the lease contract the Employee must select a Repair, Maintenance and Tyre (RMT) service package for the Lease Bicycle. The Employee may choose from four (4) options for this RMT service package:

 

Basic RMT Service Package: the service costs relating to repairs, maintenance and/or tyres are reimbursed up to €100 including VAT per year. Service costs exceeding this amount are payable by the Lessee. The Lessee may select the Basic RMT service package for all types of bicycles, with the exception of e-bikes.

 

Standard RMT Service Package: the service costs relating to repairs, maintenance and/or tyres are reimbursed up to €150 including VAT per year. Service costs exceeding this amount are payable by the Lessee. For e-bikes at least the Standard RMT service package is required.

 

Premium RMT Service Package: all service costs relating to repairs, maintenance and/or tyres will be reimbursed. The Lessee does not have to pay any excess for this package. Service requests submitted during the last six (6) months of the lease contract will only be considered and accepted if the service request is necessary for the safety or proper functioning of the Lease Bicycle. If LAB believes (at its own discretion) that there is no necessity as referred to in the previous sentence, it may refuse the service request. The Lessee may only select the Premium RMT service package in respect of lease contracts for e-bikes.

 

S-Pedelec RMT-Service Package: the service costs relating to repairs, maintenance and/or tyres are reimbursed up to €300 including VAT per year. The S-Pedelec RMT Service Package is included as standard when leasing an S-Pedelec. Any service costs exceeding this amount are payable by the Employee.

 

1.2                       The RMT service packages only include repairs, annual maintenance and/or service necessitated as a result of wear and tear and that affect the operational safety or proper functioning of the Lease Bicycle.

1.3                       The 24-hour repatriation service to the LAB dealer is included standard in all aforementioned RMT service packages (see Appendix 3 for the Terms of 24-hour Repatriation Service conditions). The costs of repatriation will not be charged to the annual RMT service budget.

Article 2 – Exceeding the RMT service package

2.1                       Before a service request is performed the Lessee must inform the Dealer that the Lease Bicycle is the property of the lease company and that the Dealer should initially not charge the costs to the Lessee.

2.2                       If the Lessee requests the Dealer – under the RMT service package – to service the Lease Bicycle, the Dealer will check the available budget with LAB before commencing the work. This budget depends on the selected RMT service package referred to in Article 1.

2.3                       If LAB informs the Dealer that all or part of the service costs are not covered by the applicable RMT service package, the Dealer must inform Lessee accordingly. The Lessee must agree in writing (e.g. by e-mail) that he/she is fully or partially responsible for the costs of this work and that he/she will pay the Dealer’s related invoice. If the Employee refuses to accept this, the Dealer may not service the bicycle.

2.4                       If the Dealer makes enquiries at LAB and it transpires that the costs for performing the intended service are not covered by the applicable RMT service package or result in the annual maximum budget being exceeded, all or part of these service costs will be charged to the Lessee. The Dealer’s relevant invoice will in that event be payable by the Lessee.

 

Article 3 – Other terms of service for regular maintenance and non-damage

3.1                       Repairs that are necessary due to an incident or loss event as referred to in the Insurance Conditions will be assessed and settled in accordance with the Insurance Conditions referred to in Appendix 2.

3.2                       The costs of replacing tyres due to normal wear and tear are not charged to the Lessee. However, the costs of replacing tyres will be passed on to the Lessee if the Lease Bicycle has been used inexpertly or in case of excessive wear and tear, for example because of consistently low tyre pressure.

3.3                       Replacement transport, to bridge the period during which the Lessee cannot use the Lease Bicycle because of maintenance, repairs and tyre replacement, is not covered by the lease contract. The costs of replacement transport (rented bicycle) are payable by the Lessee.

3.4                       The Lessor is not liable for damage that has occurred or that is possibly related to the manner in which maintenance or repair work has been performed. The Lessee may not invoke this damage as ground for suspending his/her payment obligations towards the Lessor.

3.5                       All costs associated with maintenance, repairs and replacement of tyres that are not covered by the Contract are payable by the Lessee and may be charged to the Lessee.


APPENDIX 2: INSURANCE CONDITIONS

In the event of theft the Lease Bicycle is insured against:

·               Theft. This includes any damage to the Lease Bicycle and accessories caused by:

a. an attempted theft

b. during the period of theft

·               Damage. This includes any damage to the Lease Bicycle caused by a collision, fall, or any other external cause of damage. Damage to the helmet is also insured if this is caused by a fall or collision involving the Lease Bicycle.

 

In case of theft, the Lessee must:

·               Report the theft to the police.

·               Notify the dealer of the theft as soon as possible, and submit the police report (stating the frame number of the bicycle).

·               Keep the original keys of the lock for three (3) months; at least one (1) key must show signs of use. If the Lessee uses an electronic lock he/she must prove, by means of an e-log, that the bike was properly locked. The manufacturer of the bike can usually help with this.

 

The Dealer takes care of the insurance process. After the insurer has given its approval, the Lessee is entitled to a new, similar bicycle for the same retail price. If a similar bicycle is not available, or is not available within a reasonable period of time (e.g. due to market scarcity), the Lessee may choose between the following two options: 1) the Lessee may select another, similar bicycle for up to the price of the original bicycle, or 2) the Lessee may decide to wait until the same new bicycle becomes available. If the Lessee has a Contract for an e-bike or S-Pedelec, the Lessee shall be entitled to a loan e‑bike for up to seven (7) days. Any waiting period for a new bicycle (longer than seven (7) days), irrespective of the selected option, will be for the Lessee’s own risk. It is not possible to (temporarily) put the Contract on hold and the Lessee is not entitled to any compensation.

 

In case of damage, the Lessee must:

·               Report the damage to the Dealer as soon as possible.

·               Limit the damage as much as possible.

The Dealer will take care of the insurance process and will repair the damage once the insurer has given its approval.

 

Loan e-bike

If the Lessee has selected an e-bike or S-Pedelec, he/she is entitled to a loan e-bike if his/her own e-bike or S-Pedelec can no longer be used because of an insured event. The Employee may borrow an e-bike for up to seven (7) days.

 

Excess payable by the Lessee for each claim

 

Excess for each type of bicycle

Bicycle / e-bike / S‑Pedelec, cargo bike and other bicycles

In case of total loss €0.00

In case of theft €0.00

In case of damage to or theft of parts and/or

accessories* €25.00


Racing bike and all-terrain bicycle (ATB)

In case of total loss 20% of the insured

amount

In case of theft 10% of the insured amount.

In case of damage to or theft of parts and/or accessories €50.00



This means that the insurer will not pay the first €25.00 of each claim. This is payable by the Lessee and must be paid directly to the Dealer.

 

 

The Lease Bicycle is not insured:

§ If damage is caused and/or aggravated by fault, with permission, or by reckless behaviour.

§ In case of fraud, attempted fraud, or providing false information.

§ If the cyclist was under the influence of alcohol, drugs or medication to such an extent that cycling was forbidden by law, or if the cyclist refuses to cooperate in an investigation in this regard.

§ Against damage caused by normal use. This includes wear and tear or damage to tyres, bells, coat guards, cables, carrier straps and damage caused by scratches, unless other damage has been caused to the insured object as a result of the same insured event.

§ Against damage to the battery if the battery still functions normally.

§ If the maintenance and repair instructions have not been followed or if the bicycle has been tampered with.

§ During participation in competitions or training for that purpose.

§ If the bicycle was not locked when it was stolen. Locked means an ART approved lock (category two or higher).

§ If the stolen bicycle is a racing bike or ATB, and:

·      It was left without direct supervision and was not fastened to a fixed object with an ART approved lock (category two or higher).

·      It was visibly left in a motor vehicle and there are no signs of forced entry to the motor vehicle, or if it was left on a bicycle or roof rack.

 

If a S-Pedelec is selected, the Employee is automatically insured against:

Third-party liability (only S-Pedelecs)

§ This covers damage to other persons and/or property caused by or with the bicycle.

§ Damage to or caused by the following is not covered:

·      The insured and his/her possessions.

·      A passenger who uses the bicycle without permission.

·      Someone who has obtained the bicycle through theft or an act of violence.

·      While the bicycle was outside the EU for more than six consecutive months.

§ Compensation for each loss event:

·      Damage to property: up to a maximum of €2,500,000.

·      Damage to people: up to a maximum of €6,100,000.

 

What does the insurer expect from the Lessee:

§ Duty of care: The Lessee must take all precautions to prevent loss or damage. This includes securely guarding the original bicycle keys and not leave these unattended.

§ Lock and original bicycle keys: When replacing the lock and/or if the Lessee has lost the original keys the Lessee must have duplicate keys made by the manufacturer of the lock.

§ The bicycle is insured within the European Union. If the bicycle is stolen, the Lessee must report the theft in the country where the bicycle was stolen.

 

Communication:

In certain cases, the insurer may contact the Employee directly. In that event the insurer will receive the necessary personal data from Volkswagen Pon Financial Services (VWPFS). This contact will occur if needed to perform the insurance contract. This may for instance be necessary in the event of a change to the Lessee’s obligations, if help or information is required about loss events, if fraud is suspected, or to implement legal measures.

 

How does the insurer handle the Lessee’s personal data?

When the insurer contacts the Lessee it may register his/her data. The insurer will handle the Employee’s data with all possible care. Privacy legislation applies in this regard. If you want to know more about your privacy, please visit unigarant.nl/verzekeringen/privacy (in Dutch). The insurer complies with the Insurers’ Code of Conduct for Processing Personal Data when processing personal data. This code can be consulted on the Dutch Association of Insurers’ website.

 

Fraud

Insurance is based on trust. The insurer therefore makes every effort to discover and investigate fraud. If fraud is discovered, the insurer can take measures including:

§ Recovering an insurance pay-out from the Employee.

§ Charging the additional costs it incurs, such as internal investigation costs.

§ Terminating all insurance policies taken out by the Lessee with the insurer and/or recording the Lessee’s personal data in the internal incidents register. This register is only accessible to the Special Cases department.

§ Reporting the matter to the police and reporting the fraud to the Central Information System Foundation (Stichting CIS) and/or the Centre for Combating Insurance Fraud. In this way other insurers are warned about fraudsters.


APPENDIX 3: TERMS OF THE 24-HOUR REPARATION SERVICE

1.   The Lessee is entitled to a 24 hour breakdown service from the ANWB in the Netherlands for 365 days per year during the term of the lease contract. The aim of the service is to enable repair and maintenance of the bicycle under the ROB service package if the Lessee is on the road. The Lessee is not entitled to the service at his own home address.


2.   The breakdown service of the ANWB can only be called via the ANWB service line which has been set up especially for Lease a Bike: telephone number 0592 390 471.


3.   The breakdown service will first try to resolve the cause of the stranding by telephone. If this is unsuccessful, a mechanic will come on site and try to repair the lease bicycle. If the mechanic also fails to repair the bicycle on location, the mechanic will proceed to repatriate it (see 3.4).


4.   If it is not possible to repair the lease bicycle on location, the Lessee is entitled to repatriate himself and the lease bicycle up to a maximum of 30 km. The defective bicycle will be transported (at the discretion of the Lessee) to: 1) the starting point of the bicycle tour, 2) the end point of the bicycle tour, or 3) a Lease a Bike dealer of his choice.


5.   If the bicycle is repaired on location, the mechanic may in some cases charge the Lessee directly for the costs of parts. The Lessee can claim these costs 1:1 from Lease a Bike, after which these costs will automatically be deducted from the ROB budget of the Lessee (if the ROB budget is sufficient).


6.   If the Lessee is involved in an accident with personal injury, the Lessee is entitled to personal injury advice and possibly legal assistance from 'DAS Rechtsbijstandverzekeringen', telephone 020 651 7215.


APPENDIX 4: RETURN PROTOCOL

Terms & Acquisition

At the end of the lease period or if the Lease Contract ends, the Employee to whom the Lessee has made the Lease Bicycle available has the possibility to purchase the Lease Bicycle. The Employee is the rider of the Lease Bicycle; he/she may purchase the Lease Bicycle in the condition it is in “as is, where is”) - with due observance of any other applicable conditions. If the Lease Bicycle is purchased, the lease company and LAB NL give no warranty regarding the quality and/or condition of the Lease Bicycle on the purchase date.

 

If the Employee does not purchase the Lease Bicycle, he/she must return the Lease Bicycle, the accompanying keys, and all accessories, documents and other add-ons to the Dealer within one (1) day after the expiry of the lease period/after the end of the lease contract. The Dealer will check the Lease Bicycle on the basis of this return protocol. The Dealer will record its findings on the condition of the Lease Bicycle in a written inspection report. This inspection report must be signed by both the Dealer and the Employee to whom the bicycle has been made available by the Lessee.

 

If the Employee does not purchase the Lease Bicycle (with the accompanying keys, accessories, documents and other add-ons) and fails to return the Lease Bicycle to the Dealer within the period mentioned above, the Lessee will forfeit an immediately due and payable penalty equal to one monthly Lease Instalment. If the Lessee continues to fail to comply with this obligation after a demand from the Lessor, the Lessee will additionally forfeit an immediately due and payable penalty of EUR 50 for each week that this breach continues, with a maximum of EUR 1,000 in aggregate. The specific rules regarding the purchase of the Lease Bicycle are laid down in the Collaboration Agreement concluded between LAB and the Lessee.

Return Scheme

During the inspection the Dealer will also determine whether all parts and accessories forming part of the Lease Bicycle are present and/or whether the signs of use are commensurate with the purpose and duration of use of the Lease Bicycle. A distinction will be made between acceptable signs of use and unacceptable signs of use (damage).

 

The following criteria are used to determine whether the Lease Bicycle and all parts forming part of the lease contract have been properly returned:

·    the Lease Bicycle must be returned in its original condition (including battery, luggage carrier(s), lights, etc.);

·    all keys (at least two (2)) must be returned;

·    the warranty certificate must be returned (this applies only if the Lease Bicycle is returned prematurely), and

·    all accessories included in the lease contract must be returned.

 

If it is concluded that not all parts pertaining to the lease contract have been returned, these must be returned within five (5) business days at yet. If this period is exceeded, the costs for replacing the parts concerned are payable by the Employee.

The following criteria are used to determine whether the Lease Bicycle shows signs of excessive use:

·    the Lease Bicycle must be fully functional;

·    the Lease Bicycle must be in adequate state of repair; and

·    the visible signs of use must be the result of normal use or normal wear and tear.

If it is found upon returning the Lease Bicycle that it does not meet the criteria regarding acceptable use, the repair costs, to be determined by the Lessee, will be payable by the Lessee.

 

Below a non-exhaustive list of signs of use is given that are considered unacceptable (damage):

·    non-functioning parts;

·    missing parts;

·    broken, seriously deformed or dented parts;

·    deep scratches and abrasions that do not disappear after polishing;

·    tarnishing or corrosion of the paint (e.g. because of bird droppings, stickers);

·    inexpertly repaired parts;

·    holes, corrosion or damage caused by removing accessories;

·    defective or torn saddle;

·    defective inner and/or outer cables (brake or gear cables).