The optional insurance covers damage or breakage to the frame or any of the components on the rental bike and is valid from the time the bike is handed to the customer until it is returned to the company at the end of the rental period. The insurance does not cover third party liability, medical costs, theft or loss of the rental bike and any other costs that result from damage to the rental bike. The renter is liable for all damage and repair costs up to 100€ except for Scultura Concept, the liability is 200€ and the Scultura World Tour, the liability is 400€.