The Bikeleasing Employer Default Insurance (abbreviated as AGAV) is a special insurance for employers, already included in the Bikeleasing package. It protects companies from financial burdens related to a leased company bike if an employee is unexpectedly absent—for example, due to long-term illness, resignation, mutual agreement, death, parental leave, or incapacity for work. The employer insurance either covers the outstanding leasing installments or enables an uncomplicated contract termination in such cases. There are no additional costs for the company. 

What does the AGAV cover?

Up to two company bikes per employee are insured. The AGAV applies in the following absence situations: 

Long-term Illness

If employees are ill for a longer period and no longer receive continued salary payments, the AGAV covers the financial consequences.

AGAV Benefits

• Reimbursement of the agreed total leasing installments from the end of continued salary payment
• Maximum reimbursement amount: €5,000 per company bike
• The company bike remains with the employee and can continue to be used

Parental Leave & Maternity Protection

During parental leave, salary conversion is not possible. To cover this period, the AGAV offers two options:

Option A – Leasing Installment Reimbursement

• The company bike remains with the employee
• The paid leasing installments are reimbursed
• Up to a maximum of 18 monthly leasing installments
• The leasing contract continues

Option B – Bike Return

• The company bike is returned early
• The leasing contract is terminated

Not covered:

• Paternity leave

Resignation & Mutual Agreement

If employees leave the company—regardless of whether by resignation, employer-initiated termination, or mutual agreement—the AGAV provides an uncomplicated solution.

AGAV Benefits

• Early return of the company bike
• Contract termination without additional costs

Incapacity for Work

In the case of permanent health restrictions that make working impossible, the AGAV takes care of the necessary processing.

AGAV Benefits

• Early return of the company bike
• Contract termination through the insurance
• Proof of incapacity for work or service is required

Death

AGAV Benefits

• Early return of the company bike
• Contract termination
• Return can be carried out by the employer or relatives
• Further processing is handled by Bikeleasing

How Employers Report an Insurance Claim

The report is always made via the Bikeleasing portal:

1. Open the portal → Menu item: Employer Default Insurance → Report Insurance Claim

2. Select company bike: Select the affected leasing object.

3. Specify type of claim: e.g., resignation, illness, parental leave, death, incapacity for work.

4. Upload evidence Depending on the insurance case, e.g.:

• Resignation / termination agreement
• Medical certificates
• Parental leave or maternity protection certificates
• Death certificate
• Pension notice (in case of incapacity for work)

5. Review & processing by Bikeleasing Depending on the case:

• Sending a return confirmation
• Organizing the return via partner dealers
• Reimbursement of leasing installments by the insurance

6. Information to the employer: You will receive confirmation of early contract termination or reimbursement.

FAQ / Additional Notes

• Who reports the insurance claim?
  The employer is required to report it.
• Is there a deadline for reporting?
  Yes, e.g., in the case of long-term illness, no later than 90 days after the end of continued salary payment.
• What happens if the deadline is missed?
  The insurer may refuse the benefit in whole or in part.
• Contact for questions:
  Email: agv@bikeleasing.at
  Phone: +43 512 219 32 195 (Mon–Sat, 8am–6pm)
• Details about the scope of benefits:
  Insurance and Service Manual