ENRA hands over the technical side of battery damage

With battery damage an insurer wants to know three things. What is broken? Can it be repaired safely? And what should happen next? That takes measuring equipment and battery knowledge.

Without that knowledge one option often remains: replacement. That is expensive and by no means always necessary. A fall or moisture damage often looks worse, or less serious, from the outside than it is.

1. The damage is reported to ENRA and gets a claim number.
2. The bike shop registers the battery with KWS under that number and sends it in.
3. We register the battery under the claim number and do an initial test.
4. We record the technical conclusion in the test report. That is a fixed part of the process.
5. The battery follows the decision rules we have agreed with ENRA: repair or technical write-off.
6. The battery goes back and the reporting follows the agreed process.

• No technical department of its own. ENRA does not need test equipment, a workshop or battery specialists in-house.
• Substantiation with every claim. Every decision rests on a measurement and a recorded conclusion, whereas it would otherwise rest on an estimate made from the outside.
• Repair where possible. What can be repaired safely, we repair. We only write a battery off when repair is not justified, and the reason is in the test report.
• Coordination with the bike shop. The dealer sends the battery directly to us. We settle technical questions about the battery with the bike shop.
• A predictable process. Every battery goes through the same steps. Whatever falls outside the decision rules goes back to ENRA as agreed.

The policy, the cover and the compensation. KWS does not decide whether a claim is covered and makes no statement about it. We cover the technical side: what is wrong, what can be done about it and what we did.

That separation makes things clear for everyone. The bike shop has one point of contact for the battery and one reference. The insured person gets an outcome that rests on a measurement.

This is the model for any insurer that wants to handle battery damage without becoming a battery specialist itself. Because the process is fixed, nothing has to be reinvented for each claim.

The process can be set up differently per insurer. With another insurer, for example, a refurbished replacement is one of the options. Read more about our approach for insurers and about battery diagnostics.