Frequently asked questions

Ómnibus Insurance Brokers > Frequently asked questions

Answers to the main questions about our insurance programmes.

Frequently Asked Questions about Mobility Insurance

Yes, in most cases, although each community may have its own rules regarding the insured capital (as in Catalonia, where the minimum required is €100,000) or in terms of directly requesting an insurance policy.
health insurance.

Before taking out the insurance, students should check the requirements with the consulate/embassy of their country or the foreigners' office in the city where they are going to present their documents.

Yes, it is an insurance that has been created on the basis of these requirements of the consulates/embassies and foreigners.
The mobility insurance is a travel assistance insurance, therefore it only covers illness or accidents. It does not cover preventive medicine or routine check-ups. However, Atlántida, Sanitas or Asisa are health insurances, so you will have access to any specialist without the need for an emergency.
To take out the mobility insurance, all that is needed is the enrolment or letter of acceptance of studies to verify the student status. With this document the student will have to go to the contracting link, fill in their details, attach the registration or letter of acceptance and make the payment by credit card.
Yes, if the start date is within the next 6 months. You can set the start date to any day of the month.
No, the insurance has to be paid in full for 6 months or 12 months. It is a closed product that cannot be modified, so if the student is going to be in the country of destination for more than 6 months, he/she will have to take out the 12-month policy.
The easiest way to pay is by credit card once you have filled in the details in the contracting link. You can also pay by bank transfer or in cash at our office in Barcelona.
Mobility insurance has worldwide coverage
Once the insurance has been taken out, the student will be sent a certificate by email with the company's 24h/7 days a week helpline numbers. In case of needing medical assistance, we always recommend that the student calls directly to the company, Axa Partner, so that they can refer him/her to the nearest centre.
If you are unable to call the company to request medical assistance, you have the option of going to any private medical centre, paying the bill and then requesting reimbursement from the company. This process can take several weeks, so we always recommend the option of calling the company first to avoid having to make any upfront payments.
Within 24 working hours at the latest, the student will be able to receive the certificate by email, as long as the information is correct and the letter of studies is attached.
Frequently Asked Questions about Health Insurance
Yes, these 3 insurances are valid for student visas both in the country of origin and at the immigration office in Spain.
Yes, it is an insurance that has been created on the basis of these requirements of the consulates/embassies and foreigners.
The main difference is that this insurance does not only cover medical emergencies. It also covers preventive medicine.
In addition to the letter of acceptance of studies or enrolment the student will also have to fill in and sign the form of the chosen company and send us a copy of his/her passport/NIE to the email info@omnibusbcn.com. Once all these documents have been sent, the student will be able to make the payment and once the payment has been made the documentation will be ready in 2-3 working days.
The start date for health insurance must always be the first day of the chosen month.
No, it must be paid in full for as long as you need to take out the insurance.
Payment can be made by credit card, bank transfer or in cash at our Barcelona office.
The sum insured of these 3 insurances is unlimited.
In the case of Sanitas and Asisa the minimum contract is 3 months. In the case of Atlántida the minimum is 6 months.
Outside Spain, it covers travel assistance for emergencies or accidents worldwide up to €12,000 in the case of Asisa and Sanitas and €9,000 in the case of Atlántida.
Once the insurance has been taken out, the company will issue a health card for the student. Each company has a specific medical list that can be consulted on the company's website or on the app once the policy has been taken out. If the student wants to make an appointment, they will have to call directly to a hospital within the medical list of the chosen company and make an appointment by providing their details and the details of their insurer (Atlántida, Asisa, Sanitas).
The documentation will be ready in 2-3 working days at the latest.
Frequently Asked Questions on Coverage
As a cyclist, you are assuming a series of risks that relate not only to your physical integrity but also to the damage you may cause to other people or objects. For this reason, it is highly recommended that you have insurance that covers you for these eventualities since, if you do not have it, you would have to pay compensation to those injured directly from your assets, as well as the costs that you would have to face in the event of a legal claim.
In the event of an accident caused by a third party (vehicle, pedestrian, etc.), in which you, your bicycle or your equipment are damaged, your insurance will cover the costs incurred as a result of the claim against the causer, including legal costs.

During a cycling trip you may suffer a mishap that prevents you from continuing your route. An insurance policy of this kind can help you to minimise the consequences. Broadly speaking, it covers you:

  • In the event of supervening illness or accident, the Insurer will transfer you to a better equipped or specialised hospital near your usual place of residence.
  • Travel and subsistence expenses for an immediate family member if no one accompanies you during the trip and you must be hospitalised for a minimum number of days. The limits of the subsistence expenses vary according to the insurance policy taken out.
  • The cost of transporting the mortal remains in the event of death to the municipality of your home, and of a companion to accompany them.
  • The rescue, collection and delivery of the bicycle to your home, with the limit established in the insurance policy.
  • Compensation for total loss of the bicycle, if assistance is required, up to the limit established in the insurance policy.
When you suffer a fortuitous event during a trip with your bicycle, as long as you are within the distance indicated by the insurance policy you have taken out (from your own home, more than 2 km away,...). In general, it covers you throughout Europe, with the only exception of medical expenses which, in some insurances, are not covered in Spain.
No, mechanical or electrical breakdown (in the case of electric bicycles) is excluded from the cover. They will come to pick you up if your bike is damaged by accident and you are unable to continue.
AXA's insurance does cover you, but MUSSAP's does not, although these tests generally insure you automatically when you register.
Yes, if as a result of the accident you are unable to continue the route due to the injuries you have sustained. Depending on the insurance policy you take out, the delivery of the bicycle to your home is also covered, up to a maximum limit.
Yes, you are always insured as a cyclist, regardless of the bicycle you are using and who owns it. However, the Theft and Damage to Bicycle cover only covers the bicycle you have insured.

Once an accident has occurred, it is very important to remain calm, and if other people are involved, not to get angry and to be courteous.

  • If there are casualties and the seriousness of the injuries justifies it, call the emergency services and police immediately.
  • If road traffic is impeded move as quickly as possible, provided that no serious injuries are sustained, in which case the accident site should be signposted to avoid further consequences and wait for the rescue services.

Next, it is advisable to write down the names, addresses and telephone numbers of all persons involved in the accident (causer(s) and injured party(ies). It may also be useful to take some photos of the scene and the material damage that has occurred.
Subsequently, within a maximum period of seven days, you must inform us of the accident with all the information you have at the following e-mail address bici@omnibusbcn.com or call +3493241 21 38. We will then take care of the necessary arrangements.

In case you need an Assistance service, please call the telephone number provided with your insurance policy.

File a report with the police and then contact us. We will ask you for a copy of the report and the invoices for the bike and the lock. If you do not have them, we will use other means to prove that you are the owner.

Depending on the insurance and warranty, you are covered throughout Europe, including Andorra. On the page Cyclists' Insurance For more information on the territorial scope of each product, please click on the links Summary of Coverage and General Conditions.

The truth is that it is worth it. The insurance you have as a member of a federation is complementary to these. Depending on the type of insurance you take out, you will have coverage that is not offered by your federation's insurance or that complements and extends it. In addition, the Cyclist Insurance is individual, so some coverage limits apply only to you and not to all members; and the duration is for a full year from the moment you take it out, in those of your federation you only have coverage from the moment you become a member until 31 December of the current year (or a specific date), so if you become a member after 1 January you pay for the full year although you will not enjoy it in full. So that you can compare them, click on the link that corresponds to your federation and it will show you the coverage in the same format as the Cyclist Insurance:

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