Bicycle / E-Bike Insurance
Ride worry-free
Whether it is a bicycle or an e-bike, our insurance protects you against theft and damage. We also offer a bicycle assistance package with various services for accidents or breakdowns.
Benefits of this insurance
Cancellable at any time after the first year of the policy.
Customize your plan by combining our coverage modules.
Coverage also applies to rented and replacement bicycles/e-bikes.
Our bicycle insurance has no deductible in case of a claim.
Coverage comparison
| Theft protection | Comprehensive protection | Premium battery protection | Assistance package | |
|---|---|---|---|---|
| Theft with an approved lock | ||||
| Accident or fall damage | ||||
| Storm, lightning, animal bites | ||||
| Cable breakage or wear | ||||
| Damage or theft of the drive battery | ||||
| 24h emergency service and replacement bike | ||||
| Geographic coverage | Worldwide | Worldwide | Worldwide | Europe |
Modules can be freely combined depending on the level of protection you need.
Additional modules and benefits
Theft protection
Worldwide theft protection when the bicycle or e-bike is secured with a bicycle lock.
Comprehensive protection
Worldwide coverage for damage or destruction from accidents, falls, storms, animal bites, cable breaks or wear.
Premium battery protection
Coverage for damage or destruction of the drive battery, including theft.
Assistance package
24-hour emergency service, breakdown help, return transport or continued travel, replacement bicycle and more.
What is covered
The bicycle and its parts
Fixed parts such as lights, saddle, handlebars, battery, locks or electronic anti-theft devices.
Loose accessories
Loosely attached bicycle accessories and luggage are also covered up to certain limits.
New-value compensation
If stolen or destroyed, we cover the cost of a replacement bicycle of the same type and quality up to the insured sum.
What is not covered
Intentional damage
Damage caused intentionally by the insured person is not covered.
Bicycle racing
Damage from preparing for or participating in bicycle races (including downhill races) is excluded.
Vehicles requiring registration
Only bicycles not subject to registration or mandatory insurance can be covered.
Real claim examples
Theft from the bicycle storage room
Despite a security lock, thieves break into the locked storage room and steal the e-bike. The theft is covered.
Vandalism after a short stop
While parked outside a café, the brake cables are cut and the frame scratched. The insurance covers the damage.
E-bike battery damage
A short circuit in the charger damages the battery. Thanks to premium battery protection, the damage is covered.
Frequently asked questions
Isn't my bicycle already covered by home contents insurance?
Usually only against burglary (e.g. from a storage room), not against "simple theft" from a public street — an additional clause is usually needed for that.
Can I insure a used bicycle?
Yes, as long as it is no more than five years old when the policy starts and you can prove the original purchase price.
What payment options are available?
You can take out the policy online and pay conveniently via SEPA direct debit or PayPal.
Want to protect your bike or e-bike?
Tell us about your bicycle and we will help you choose the right combination of coverage.
Request free advice