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Cycling - Insurance needed?


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http://www.parisinfo.com/paris_map/rub6233.html

However, if you want to breeze along happily with your nose in the air, make sure you keep in mind the highway code (fines are always possible), and don’t forget the necessary equipment: bell, 2 brakes, sidelights and insurance.

What insurance could this be refering to? (theft? third party?!). Is it a legal requirement to have insurance for a bike in France?

-Rob-

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