What you need to know about e-bike insurance: benefits, costs & differences to household contents insurance

What you need to know about e-bike insurance: benefits, costs & differences to household contents insurance

According to a report from finanzwissen.de, the popularity of e-bikes is increasing, which means that the demand for e-bike insurance is also increasing. More and more consumers want to protect their e-bikes against theft and other risks. But what exactly should you take into account when taking out e-bike insurance?

E-bikes are bicycles with electric pedal assistance, also known as pedelecs. They must be insured and can reach speeds of up to 45 km/h. In addition to separate e-bike insurance, e-bikes can also be insured through household contents insurance. Protection against theft is particularly important as e-bikes and their components are often stolen.

However, there are some important differences between e-bikes, Pedelecs and S-Pedelecs that need to be taken into account. A Pedelec, for example, only offers support when pedaling and tops out at 25 km/h, while an e-bike can also reach a speed of up to 25 km/h on its own. An S-Pedelec is even faster and requires motor vehicle liability insurance.

Many consumers wonder whether their e-bike is already covered by their household contents insurance. In fact, an e-bike can be covered against theft and other risks under household contents insurance, but this depends on the exact conditions of the insurer. Damage to the battery or damage caused by wear and tear are often not covered.

Separate e-bike insurance can offer specific protection for the e-bike and accessories, even outside of your place of residence. Depending on the value of the e-bike, where you live and the desired scope of services, the costs for e-bike insurance can vary.

It is important to check the various services before taking out e-bike insurance. This includes theft protection for the e-bike and components, protection against further damage, wear protection and an appropriate deductible. However, there are also situations in which the insurance does not cover, such as gross negligence or normal wear and tear.

Overall, it is important to take individual needs and risks into account in order to decide whether separate e-bike insurance or including it in household contents insurance makes more sense. Various insurance companies offer e-bike insurance starting at around €50 per year, depending on the value and scope of services. It is therefore advisable to compare different options to find the right insurance.