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Comprehensive cover for your bike — against theft, damage and expensive battery damage.
Bicycle and e-bike insurance is a stand-alone specialist insurance that protects your bike much more broadly than home contents insurance. While the latter covers theft only to a limited extent and usually only from locked rooms on your own residential property, bicycle insurance applies worldwide around the clock — even if the bike is stolen straight off the street. High-quality e-bikes and pedelecs today quickly cost 3,000 to 8,000 euros, the battery alone often more than 1,000 euros. That is why specialised cover is almost essential for modern bikes.
Home contents insurance covers bicycle theft only with restrictions — usually only from locked rooms on your own residential property (e.g. cellar, bike room or garage) and with low sums insured. At the station, outside a shop or on the road, home contents insurance offers no cover. Separate bicycle insurance offers much more:
Cover worldwide around the clock — also for theft outdoors, provided the bike was properly locked.
Cover for the theft of individual components such as the saddle, wheels, lights or bike computer.
Covers costs in case of a fall, accident, malicious damage or improper handling of the bike by third parties.
Insures the expensive e-bike battery against theft, damage and often also wear-related damage.
Cover for the motor, display, luggage rack, child seats and permanently fitted accessories of your bike.
24/7 breakdown assistance, towing costs, overnight accommodation or a replacement bike if you break down far from home.
Special bicycle and e-bike insurance is particularly worthwhile for:
In many bicycle insurance tariffs, yes — including damage caused by a fall, short circuit or improper use — an important difference from classic bicycle insurance.
Most tariffs require a lock of a certain security standard and locking the bike to a fixed object — please check the conditions of your tariff carefully.
That depends on the tariff — some policies require a locked bike room or an additional lock for theft cover.
Falls you cause yourself are often only insured with comprehensive (casco-type) cover — pure theft insurance usually does not include this.
Yes, the proof of purchase with the frame number is usually a condition for settling a claim — please keep it safe or leave a copy with us.
Content reviewed by: Agnieszka Valenta, insurance broker · As of October 2026
We compare new-value replacement, battery cover and theft protection and tell you whether your bike is already sufficiently insured under your home contents insurance.
Personal advice in Breitenwaida – for clients from the Hollabrunn district, the whole Weinviertel region, as well as Vienna and Burgenland. We advise in English, German, Polish, Serbian and Bosnian.
