Insurance guide
Safer is safer
It is annoying when your bicycle is stolen; but at least your insurance limits the financial damage. Other insurance policies kick in when there is trouble, in the event of an accident or in the law courts, for example. We will guide you through the insurance jungle
The most important insurance companies offer this
- Bicycle cover note
Like with a car, there is also a cover note for cyclists. In the event of break-down, accident or theft, the taxi costs will be reimbursed. The bicycle is taken to the nearest workshop for free, while you can hire a bike free of charge. Also included are break-down and accident support, return journey costs and return transport as well as the dispatch and customs costs for spare parts. The bicycle cover note costs between about 10 and 20 euros a year.
- Legal costs insurance for bicycles
There is an accident and you have all the hassle. Who will cover the accident costs? To ensure you are treated right, legal costs insurance covers the lawyer's costs. Often, these insurance policies are available in the form of road legal costs insurance.
- Household insurance
Every year, hundreds of thousands of bicycles are stolen. Reason enough to insure it against theft. The best solution is a household insurance policy for which you agree an additional clause that includes bicycle theft. Insured is the whole bicycle, but not parts removed from it. Furthermore, the bicycle must be sufficiently secured and stored in a locked room at night.
Carefully check the insurance policy to ensure that it corresponds to your usage of the bicycle.
- Special bicycle insurance policies
Bicycle insurance policies are only offered by a few specialised insurance companies. They apply in the event of material damage, such as accidents, destruction and theft as well as fire and explosion. We recommend these insurance policies if you have a particularly valuable bicycle.
