Sharelock

Bicycle insurance platform for cyclists and mobility operators

Specialty Solutions Growth Seed

Overview

Sharelock is a bicycle insurance platform serving individual cyclists, mobility operators, bike retailers, and city authorities in the P&C personal lines segment. The company offers tiered consumer insurance products covering theft, damage, vandalism, and accidents for mechanical, electric, and cargo bikes, and provides a B2B integration layer that enables fleet operators, retailers, brokers, and municipal programs to embed bike insurance within their services.

The platform is built around an AI-powered mobile application offering parking spot verification, GPS trip tracking, and claims intake, with a 48-hour claims resolution target. On the B2B side, the company exposes API integrations compatible with rental and retail management software, allowing insurance to be embedded directly into booking and point-of-sale workflows.

Founded in 2020 and based in Paris, Sharelock raised EUR 4M in Seed funding in 2021, backed by Banque des Territoires and Breega. By 2025, the company reported over 500 business customers and a portfolio of more than 50,000 insured bikes, with active distribution partnerships with Cofidis, Veligo, and Cykleo.

Products & Services

Consumer Bike Insurance

Tiered personal bike insurance plans covering theft, damage, vandalism, and accidents. Available for mechanical, mountain, folding, cargo, and electric bikes up to 25 km/h. Select tiers include roadside assistance.

Key Features

AI-verified parking spot detection via mobile app
GPS trip tracking
Digital claims submission with 48-hour processing target

Target Users: Individual cyclists and e-bike owners

B2B Insurance Solutions

API-based insurance integration for bike-adjacent businesses, enabling retailers, rental operators, brokers, and municipal programs to offer coverage within their existing workflows.

Key Features

Management software API integrations for retail and rental platforms
Fleet insurance with operator management tools
Employer commute and corporate coverage programs
Municipal and collective insurance programs
Insurance broker distribution partnerships

Target Users: Bike retailers, fleet operators, insurance brokers, municipalities, employers

Mobile Application

iOS and Android app providing insurance management, claims tracking, and cycling tools for policyholders.

Key Features

Safe parking maps and AI-verified parking spots
Real-time claims tracking and status updates
Digital document submission
GPS-based trip logging

Target Users: Policyholders managing bike insurance coverage

At a Glance

Founded: 2020
Headquarters: Paris, France
Employees: 11-50
Funding: Seed

Category & Focus

Category: Specialty Solutions
Subcategories: Embedded Insurance Mobile Insurance Platform Bicycle Insurance
Insurance Verticals: P&C Personal
Target Customers: Consumers, Brokers, Agents/Agencies, Employers