Bicycle insurance is worthwhile for people who do a lot of cycling. Owners of new or particularly valuable bicycles should also consider taking out additional cover. You can enjoy carefree rides in the knowledge that you are well protected. And if you should fall or your bicycle is stolen, Helvetia will quickly provide compensation for your bike. If other people are injured in an accident, private liability insurance will protect you from the financial consequences.
If your bicycle is stolen or damaged in a fall, you are covered by your household contents insurance. Helvetia offers the following options:
Bicycle theft: The “simple theft away from home” supplementary household contents insurance covers your bicycle against theft either at or away from home.
Important: The insurance will only cover a claim if your bicycle was locked.
Damage: “All risks” supplementary household contents insurance covers your bicycle against damage sustained in a fall or accident. The insurance covers the reinstatement value of the bicycle.
If, while riding your bike, you cause an accident in which other people are injured, this is covered by your private liability insurance. This insurance covers the financial losses arising from liability claims by third parties. This cover is included in the basic insurance policy, and there is no need for supplementary insurance.