Bicycle insurance for bicycles and e-bikes: Experts warn against vandalism and recommend preventive measures.

Bicycle insurance for bicycles and e-bikes: Experts warn against vandalism and recommend preventive measures.

According to a report by www.sueddeutsche.de, a study by the insurer Wertguarantee has shown that around one in ten bicycles is vandalized. E-bikes are particularly affected, as they are damaged slightly more often than conventional bicycles. The study also shows that younger owners and those with eye-catching designs in particular are more likely to become victims of vandalism. Preventative measures such as locking your bike in busy places or using bike covers can reduce the risk. Value Guarantee therefore recommends taking out separate bicycle insurance that also covers vandalism.

The results of the study are alarming, especially for the bicycle industry and its customers. The fact that e-bikes are more commonly affected may have an impact on the e-bike market, as potential buyers may be reluctant to invest in an expensive e-bike if the risk of vandalism is high.

Consumers have the option of protecting themselves with separate bicycle insurance, which also covers damage caused by vandalism. The costs for such insurance are between 80 and 200 euros per year, depending on the provider and services. Household contents insurance also covers the theft of a bicycle, but there may be limits on the amount of compensation.

Overall, the study suggests that demand for separate bicycle insurance could increase, especially for expensive bicycles and e-bikes. Consumers should therefore check whether such insurance makes sense for them to protect themselves from the financial consequences of vandalism.