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Bicycle insurance

Cycling is fun – whether you ride to work each day or go out into the countryside in your free time. Helvetia’s bicycle insurance ensures that you can enjoy carefree rides and are fully protected in an emergency.
Bicycles are covered by household contents insurance at reinstatement value
Supplementary household contents insurance protects against damage and theft
Private liability insurance covers claims by third parties

Our services for you

Your bicycle is automatically insured against basic risks at home within the scope of the sum insured for household contents. By special agreement, you can insure your bicycle against the risks of damage and simple theft away from home.

Helvetia pays when:

  • Your bike is damaged in a fire
  • A burglary occurs at your home and your bike is stolen
  • Your bike is damaged by water

Your flexible additional coverage

To ensure you and your bike are optimally protected in any situation, we recommend the following supplementary insurance options.

Bicycles and e-bikes up to 25 km/h: all risks

Provides your e-bike with additional cover for loss or damage of all kinds. For example, if your bike is damaged in a fall.

Bicycles and e-bikes up to 25 km/h: simple theft away from home

A thief steals your e-bike while you are taking a short breather in a restaurant on your tour. With this supplementary insurance, we pay for the loss.

Easy & digital. Secure your bike online now.

Protect yourself and your bike and take out your home insurance easily online. Combine it with a personal liability policy and benefit from a 5% combo discount.

What others wanted to know

Our customer advisors can provide answers to selected FAQs. Just tell us what you want to know. We will be happy to help you.

Marco T. (38), Herisau

How am I insured if I cause an accident with my bike?

Personal liability insurance protects you financially against damages you have caused – to people or property. This also applies to accidental damage caused by your bike.

original

Sandro Heer

Teamleader

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Amanda V. (51), Kreuzlingen

Are bike lanes mandatory?

If a bike lane is clearly marked, cyclists and e-bike riders are required to use it. What matters is the on-site signage: if the bike lane is physically separated from the road and explicitly marked “Bike Lane,” it is reserved exclusively for cyclists. These lanes must also be used by road cyclists. However, there are paths marked with the “Footpath” sign with the addition “Cyclists allowed” or even without any specific signage. On these paths, cyclists are not obliged to use them.

original

Patrick Rudin

Customer Advisor

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E-Bike-Insurance
The insurance you need for your e-bike depends on the type of e-bike. Learn more here.
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