bike insurance

As far as home contents insurance is concerned, bicycle insurance is becoming an increasingly important element. New, very expensive bicycles such as pedelecs, e-bikes and mountain bikes, which often exceed 2000, – € limit in purchase, make special bike insurance worth considering. We want to help you with this information and advice.

Bicycle insurance test

The magazine Finanztest has in her Issue 8/2017 the offers in the bicycle insurance tested and tested. Basic statement “for high quality bikes can be worth a special bicycle policy”. We show the results. Our basic recommendation is a Bicycle theft is no existence-threatening risk, Therefore, you should always pay attention to a private liability insurance in any case, should you still have none. For simple bicycles in the frame up to 500, – € you can also use the normal household contents insurance. Find out more about this in our home contents insurance comparison.

The two most important reasons why a bicycle insurance can be useful are:

> theft

> vandalism

In 2016 more than 300,000 bicycle thefts of course, the number of unreported cases is much higher. In contrast, there is one Reconnaissance rate of just under 10%. In other words, a bicycle theft happens more often than expected, especially in risky cities like Münster and when the bike is gone, it rarely appears again. Insofar worth a bicycle insurance for expensive e-bikes and mountain bikes, because there the incentives for thieves are particularly large and unfortunately the locks are not resistant!

Also vandalism is, as can be seen in the riots in Hamburg on the occasion of the G20 summit, very violent and sprawling. Even on a small scale, it is sometimes a welcome test of courage to demolish a bicycle.

There are two options for a bicycle insurance

• Within the household insurance

A bicycle can also be secured against theft outside your own four walls. Usually, the bike is here only with one percent of the total sum insured counted in the household insurance. Therefore, it is useful for expensive bikes to choose another alternative.

In the context of household insurance, bicycles are counted as household contents. If you are stolen from the apartment or garage, they are covered by the household insurance. With the additional service Bicycle clause They are also secured with simple theft, so if the bike was secured in front of the door only with a lock, was turned off. Be sure to choose this bike clause proportionately according to the cost of your bikes. This can vary from one percent of the sum insured up to 10% of home insurance. A compensation takes place within the framework of Household insurance always to new value, that means at the price that replacement would currently cost.

If you want to protect expensive wheels within your household contents insurance, they must depending on location surcharges pay. Your household insurance assesses the risk of theft in your city and requires a corresponding surcharge for household insurance. So it can sometimes be cheaper to take out a special bicycle insurance.

• Special bicycle insurance

The Stiftung Warentest has one of these offers Bicycle insurance test and we show the most important test results and the test winners in bicycle insurance in the next paragraph

The bicycle insurance provides for the following damages

• Simple theft

If you have completed your bike outdoors, so not in your own home and parts or the entire wheel by theft is lost, the bicycle insurance.

• housebreaking

Thieves invade your home or the cellar of your house and steal the bicycle parked there.

• robbery

They are knocked off their bikes in the open road and the thief escapes with their bicycle.

• vandalism

Destroyed strangers your parked bicycle willingly, for example, if the tires are crooked, so does the bicycle insurance.

• Accident and fall

They fall with their bike to crash and damage various parts difficult.

• electronics damages

Especially for pedelecs and e-bikes there is this additional service in the bicycle insurance. For example, if the battery breaks down or gets wet.

Pay attention to the choice of insurance worldwide validity. Take your bike with you on holiday, for example, the mountain bike tour of Lake Garda, so should your bicycle insurance for a certain period of time also apply there.

> Condition for the entrance fee of your bicycle insurance

The wheel must be secured as prescribed
Outdoors, the bicycle must be connected to a non-mobile object with a firm lock

For example, Finanztest has tested bike insurances in the issue 08/2017

A total of 25 independent bike insurances were assessed.
There were different grades
simple bike, city bike with up to 500 € purchase price
Road bike with up to 1500 € purchase price
E-bike with up to 2500 € worth
E-trekking bike costs up to 4000 €
The annual bicycle insurance contributions were determined for a one-year contract for the Wuppertal and Münster locations. Discounts were not considered.

In the performance evaluation, either the replacement in cash or with a spare wheel was evaluated. In addition, the maximum wheel age and also the insurance cover was included on trips to the overview. In addition possible special achievements like electric damages with E-Bikes or accident damages by a fall. And so the results in the bicycle insurance test overview. You can find the complete test overview here at Finanztest.

The following bike insurances are included in the bicycle insurance test recommended by financial test:

For simple bikes up to a value of 500 €. The P&P Pergande & Pöthe bicycle insurance for annually 46, – €, with freely selectable duration. Here you have for 46, – € a year already a sufficient bicycle protection. However, in this tariff you have a deductible of 10% and will receive a spare wheel in case of damage.

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