Bicycle guards - FINBER | Finance in Germany is simple

Let's figure out how to protect your bike from unpleasant situations.

There are 3 types of bike insurance:

🔹 1. Diebstahl (theft)

🔹 2. Kasko

🔹 3. Schutzbrief (breakdown assistance while traveling)

Easily and quickly calculate the cost of insurance depending on the selected services.

It is possible to insure various combinations of these options, but, more often than not, only protection against theft is sufficient.

Diebstahl (theft) of a bicycle

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)

Fall damage and accidents

Vandalism

Damage due to moisture

Damage due to improper use

Schutzbrief

Worth considering when traveling a lot by bike

Breakdown assistance

Bicycle transport costs

Rescue costs

Replacement bike

Living expenses

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

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 you should pay attention to when insuring against Theft?

🔹 The duration of the insurance coverage when the bike is parked away from home. It is preferable to choose a 6-hour interval, rather than from 00:22 to 00:XNUMX, as in some offers.

🔹 What type 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 the bike secured to the trunk of the car or Wohnmobil insured.

🔹 Whether the battery is insured separately.

🔹 Conditions of insurance for used bicycles.

🔹 Depending on the statistics of theft 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.