Bicycle insurance in Germany

Unfortunately, bicycle theft in Germany is not uncommon, especially in large cities. In this article, we will look at insurance as an important aspect of protecting your bicycle against misfortune. We will explain how you can protect yourself not only against theft, but also against damage and breakdowns of your bicycle. Please note: the rules for e-scooters are different — they require compulsory insurance with a numbered sticker, whereas a Pedelec (pedal-assist e-bike) up to 25 km/h is insured like an ordinary bicycle.

There are 3 types of bicycle insurance

It is possible to insure various combinations of the specified options, but most commonly, protection against theft alone is sufficient.

Diebstahl (bicycle theft)

Insured events:

✓ Bicycle theft

✓ Theft of attachments, including batteries

REQUIREMENT: The bicycle must be secured with a lock. It is forbidden to use combination locks.

Kasko (comprehensive cover)

Insured events:

✓ Drop damage and accidents

✓ Vandalism

✓ Moisture damage

✓ Damage caused by misuse

Schutzbrief (breakdown cover)

Insured events:

Worth considering if you go on a lot of cycling trips.

✓ Breakdown assistance

✓ Bicycle transport costs

✓ Rescue costs

✓ Replacement bicycle

✓ Accommodation expenses

Tariff comparison

Tariff: Classic

Tariff: Premium

Maximum sum insured

Cycling equipment, bags

Theft, damage, vandalism

Electronic and moisture damage

Manufacturing defects after the warranty has expired

Damage caused by careless handling

Theft, damage, vandalism

Electronic and moisture damage

Manufacturing defects after the warranty has expired

Damage caused by careless handling

Price

For a new bicycle costing €2,000, without additional options and excess. The final price depends on the residential area.

101.53 - 126.45 € a year

Price

For a new bicycle costing €2,000, with no additional options or excess. The final price depends on the area where you live.

45.52 - 107.10 € per year

If you have an inexpensive bike, the best insurance is a good lock.

Hausratversicherung

Hausrat – home contents insurance as an alternative to standalone bicycle insurance

Often, bicycle theft insurance is already included in home contents insurance — Hausratversicherung. Alternatively, this option could be added. It is certainly worth paying attention to the terms and conditions regarding payouts, storage and the amount of cover under Hausratversicherung, as this is not the primary purpose of this insurance.

We have selected a Hausrat home contents policy that includes cover for bicycle theft of up to 10.000 euros.

🔹The only requirement is that the bicycle must be locked up.

Calculate the cost of home contents insurance quickly and easily: Hausrat

What should you look out for when taking out theft insurance?

The time period for which the insurance is valid when the bicycle is parked away from home. It is preferable to choose a 24-hour period rather than from 6:00 to 22:00, as in some offers.
What kind of bicycle lock should you get and how much should it cost? Sometimes there is a requirement that the lock must cost at least €50.
Is the bicycle insured when attached to a car bike rack or a Wohnmobil (motorhome)?
Is the battery insured separately?
Insurance terms and conditions for second-hand bicycles.
Depending on the theft statistics in the region, the cost of insurance may vary by 20-30%.