Bicycle insurance put to the test: Protection for every bike in your region!

Bicycle insurance put to the test: Protection for every bike in your region!

Protection against bicycle theft is becoming increasingly important for many bicycle owners. In Germany, the number of stolen bicycles increases every year, while the police clearance rate remains low. Choosing the right insurance can be complicated and depends on various factors.

Loud In Franconia Insurance companies have formed three regional classes for theft premiums. These differ depending on the city: In Berlin the theft rate is high, while in Remscheid there is a low rate and Göttingen is in between. Stiftung Warentest advises not to take out bike insurance for less valuable bikes or in regions with a low theft rate.

Household contents insurance versus bicycle insurance

Under certain conditions, household contents insurance can also cover bicycle theft. However, this is only the case if there are good tariffs and the protection applies 24 hours, including at night and outdoors. An additional clause for bicycle protection can be booked for an additional charge of 10 to 30 euros per year. ADAC points out that household contents insurance mainly pays for theft from the apartment, a locked basement or a locked garage, but usually not for theft on the street or at the train station.

The provisions of home contents insurance can vary from provider to provider. An important restriction is the night clause: Many insurance companies do not offer protection for theft between 10 p.m. and 6 a.m. To protect your bike, experts recommend always securing it with your own lock and using easily visible parking spaces.

The advantages of special bicycle insurance

For more expensive bikes, special bike insurance is often the better choice. This not only offers more comprehensive services, but also covers vandalism, wear and tear, accident and fall damage. Insurance companies such as Huk-Coburg, Huk24 and VRK have achieved the best ratings in the theft protection category and offer premiums that vary depending on the region and type of bike.

The premiums for theft protection are staggered regionally and vary depending on the type of bike. For example, theft protection for a trekking bike in Remscheid costs between 25 and 31 euros, while in Berlin it costs between 101 and 104 euros. Comprehensive insurance, on the other hand, offers additional protection against damage and also has regional differences in premiums, which can range between 48 and 128 euros for trekking bikes.

In conclusion, the choice between home contents and bicycle insurance depends on individual needs. While household contents insurance offers basic protection, special bicycle insurance makes sense for more comprehensive protection for valuable bicycles and can lead to higher compensation payments.