Unfortunately, bicycle theft is not uncommon in Germany, especially in large cities. In this article we will look at insurance as an important aspect of protecting your bike from trouble. We will tell you how you can protect yourself not only from theft, but also from damage and breakdowns of your bike.
Easily and quickly calculate the cost of insurance depending on the selected services.
There are 3 types of bicycle insurance
Diebstahl (theft) of a bicycle
Insured events:
✓ Bicycle theft
✓ Theft of attachments, including batteries
REQUIREMENT: The bike must be locked. It is forbidden to use locks with a digital code.
Casco (CASCO)
Insured events:
✓ Fall injuries and accidents
✓ Vandalism
✓ Damage due to moisture
✓ Damage due to improper use
Schutzbrief
Insured events:
Worth considering when traveling a lot by bike
✓ Help in case of breakdown
✓ Bike transportation costs
✓ Rescue costs
✓ Replacement bike
✓ Living expenses
Often, bicycle theft insurance is already included in household contents insurance – Hausratversicherung. Or this option can be added. You should definitely pay attention to the terms of payment, storage and the amount of coverage in Hausratversicherung, because This is not the main purpose of this insurance.
Easily and quickly calculate the cost of insurance depending on the selected services.
What should you pay attention to when insuring against THEFT?
- The time interval for the insurance to be valid when the bicycle is not parked near the house. It is preferable to choose a 6-hour interval rather than from 00:22 to 00:XNUMX, as in some proposals.
- What kind of lock should a bicycle have and its cost. It happens that there is a requirement - the cost of the lock is at least 50 €.
- Is a bicycle secured to the trunk of a car or Wohnmobil insured?
- Is the battery separately insured?
- Conditions for insurance of used bicycles.
- Depending on theft statistics in the region, the cost of insurance may differ by 20-30%.
Do you have questions or need help choosing a product for your bike? Write us and we will answer you in detail.
We have sorted out more important insurances in Germany in a separate article.
Ready to apply or need help and advice?
If you have any questions, you can always contact us:
By email: info@finber.de
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