Best Bicycle Insurance in Germany – Full 2021 Guide

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Germany is a cycling paradise and depending on where you come from, you might be surprised by the number of cyclists on the road. You might also know already that Germany is the land of insurances, so of course, we help you decide if and which bicycle insurance in Germany you need.

We are avid cyclers and we will review the best bicycle insurance in Germany for you. We will also give you an insight into our own experience and the nature of cycling in Germany. 

Which is the best bicycle insurance in Germany?

Here are our top picks for the best bicycle insurances in Germany for expats.

1. Coya Bike Insurance

Coya Bike Theft Insurance Homepage
Source: Coya

Coya insurance is favorite amongst expats in Germany, as it is a fully digital, all English, and modern insurance. Amongst its policies, it also offers an individual bike theft insurance as well as an e-bike theft insurance. The cover starts at 4,41 euros per month. Your price will depend on your zip code and thus the area where you are living, as well as the type of bike you are insuring.

Should you be into bike racing or triathlons (like I am 😊), Coya is a great insurance for your fancy race bike.

Coya Bike Theft Insurance Sign Up
Source: Coya

Coya Benefits:

✅ Covers theft, burglary, vandalism, and theft of parts
✅ Covers bikes up to 10.000 euros including all essential parts, the bike lock, and GPS tracker
✅ Pays you the reinstatement value of your bike
✅ 24-hour protection
✅ Worldwide cover for temporary trips between 3-6 months
✅ English chat available on their website
✅ Cancel anytime
✅ Website and customer support available in English

Coya Drawbacks:

⛔️ Only new bikes less than 12 months old can be insured
⛔️ Insures only for a maximum of 5 years
⛔️ Only one bike can be added per contract

With our special Coya code, you even get a 5 euros discount. With the below link, the code is automatically applied to the Coya website at the end of your purchase.

2. Getsafe Bike Insurance

Getsafe Bike Theft Insurance Homepage
Source: Getsafe

Getsafe is another modern insurtech company revolutionizing the traditional insurance industry. All digital, easy, and fast are three attributes of Getsafe. Its individual bicycle theft insurance starts at 3,75 euros per month and you can add several bikes to one contract. You can choose to get Getsafe bicycle insurance up to three years after buying the bike.


Getsafe is more comprehensive than Coya when it comes to your regular daily bike. However, Getsafe does not cover your fancy racing or competition bike.

Getsafe Bike Theft Insurance Tariff
Source: Getsafe

Getsafe Benefits:

✅ Covers theft, burglary, vandalism, and theft of parts
✅ Cover includes not only the lock but also helmets and trailers
✅ Pays you the reinstatement value of your bike
✅ 24-hour protection
✅ Worldwide cover 
✅ Covers several bikes with one contract
✅ Cancel anytime
✅ Website and customer support available in English
✅  Only new bikes less than 3 years old can be insured

Getsafe Drawbacks:

⛔️ You need to use a lock worth more than 50 euros
⛔️ Bikes used for competitions or racing are not covered

When do I need German bike insurance?

If you have recently bought a new bike in Germany, we highly recommend you to consider getting a bike theft insurance.

I speak from personal experience that this insurance is super important. In fact, it is the only insurance I have made use of so far in my life.

My two-week-old new bike got stolen in front of my office. It cost 800 euros. After filing the claim I received the full 800 euros from my insurance and bought the same bike again.

However, my bicycle insurance is included in my home contents insurance. So you only need to get separate bicycle insurance, if you do not have a home contents insurance

Should you have a home contents insurance already, check, whether you can add bike theft to its cover. In case you cannot, take a look at our home contents insurance guide and consider switching your insurance providers.

Additionally to bicycle insurance, you should invest in a proper high quality lock. I only upgraded mine, after I experienced the theft of my bike, so don’t make the same mistake. The bike lock I use and trust in is the Abus Bordo Big Folding Lock.

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ABUS Bordo Big Bike Lock
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Why do I need bicycle insurance in Germany?

Bike theft is very popular in Germany, especially in larger cities. In 2019, the resulting damages of bicycle theft were 110 million euros. The number of insured bicycles stolen was 155.000, resulting on an average bike price of 710 euros.  

Statistic Maps of Germany showing bike theft numbers in 2019
Source: GDV – bike thefts in 2019 per 100.000 inhabitants (compared to 2018)

According to Statista, these are the top 5 cities for bicycle theft in 2019 in Germany

CityReported casesSolved cases
Berlin28.7111.161
Hamburg12.078494
Leipzig9.991765
Cologne6.832715
Munich5.561524

If you are living in a city and plan on getting or already have a proper bike, you should consider getting bicycle insurance. 

Does Bicycle insurance cover damages you cause while biking?

No. The bicycle insurances reviewed in this article cover theft and vandalism of your bike. Damages you cause to others while riding your bike are not included. These are covered by your private liability insurance

Does Bicycle insurance cover damages on my bike?

No, it does not. If you damage your bike yourself or need to replace parts (for example a flat tire), you will need to pay for it yourself. 

Is biking popular in Germany?

Yes, biking is increasing in popularity in Germany year by year. According to the Federal Ministry of Transportation, more than 80 percent of Germans use bicycles. The usage varies, from commuting to work to leisure rides and holiday trips. 

E-bikes especially have experienced a boom in the past years and you will see them take you over on the next hill. 

A lot of cities in Germany already have plenty of designated cycling lanes and the topic of increasing and improving the cycling infrastructure, even more, is a hot political topic. 

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Since 2000, there even is a German Cycling Prize awarded each year to innovative projects for the promotion of cycling.  

As a side note, for my wife Jen and I, our bicycles are our everyday method of transport all year long. It keeps us active, flexible, and environmentally clean. My personal recommendation is to buy a new bike from a proper local retailer in order to be safe on the roads. Second-hand bikes sold on eBay or at flea markets are often not in the best shape. Also, keep in mind that when you order a bike online, you have to put it together yourself. I only recommend you to do so, with a little bit of knowledge about bikes.

🔥 Tip: Always wear a helmet! Even though it is not required by law.

Conclusion

You made it till the end! We hope you now understand that cycling in Germany is a thing, unfortunately so is bike theft. If you opt for a proper bike, we recommend reviewing your home contents insurance or buying individual bike insurance from Coya or Getsafe.

 📣 This article contains affiliate links. When you click on the links of products we mention in this article and purchase it we will receive a small commission. It will not make any difference to you in price, however, it allows us to keep Simple Germany alive and striving.

If you have any questions, feel free to contact us. We are happy to help.

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Yvonne
About the author: Yvonne was born and raised in Germany and has lived in the United States, France, and Spain. She understands the struggle of settling in a new home and is happy to share simple services and tips on how things are done in her home country, to help expats get their German experience started.
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