If the theft of the bike happens when the bike is not locked according to Cowboy’s prescribed procedure via the digital key of the Cowboy app.
If the bike is located in a public space or in an enclosed communal area without being properly locked. The bike must be locked with a bike chain ART category 2 or higher (example: ABUS BORDO PLUS bike chain) used according to the manufacturer’s instructions AND fixed to a permanent object when it was stolen (e.g. bike rack, utility pole).
The wheels, tires, or electric battery if stolen separately from the bike.
If you cause damage to a third-party while riding your bike, it does not insure your civil liability.
Aesthetic damage (e.g. scratches or dents).
Damage resulting from a breach of trust or fraud.
Theft or attempted theft of the bike resulting from the theft of your smartphone with the mobile application to unlock the bike.
Damage to the smartphone containing the mobile application to unlock the bike.