No, maintenance budget can't be used to pay for insurance deductible. These are two separate things:
- Maintenance budget — Money accumulated for regular bike service, repairs, and replacing worn parts (tires, brake pads, chains, etc.)
- Insurance deductible — The amount paid in case of an insurance claim for theft, vandalism, or accidents
When your bike is damaged or stolen and you make an insurance claim, you pay the deductible directly to Vapaus. Your maintenance budget doesn't cover insurance deductibles.
But here's what your maintenance budget is for:
- Bike maintenance at bike shops
- Replacement parts like tires, brake pads, or chains
And here's something to know: If your repair costs are less than your insurance deductible, it might make sense to skip the insurance claim and use your maintenance budget instead — you'll save money.
More info: Benefit bike insurance