Best Bicycle Insurance in Germany [2022 English Guide]

Photo of author

by Yvonne

|

Updated

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. Hepster

Screenshot of Hepster Bike Insurance
Source: Hepster translated by Google

Hepster is a German lifestyle insurance company. They offer insurance for pretty much any sports equipment that has a higher value, all digital and flexible. Their bike insurance does not only offer protection against theft, but you can also choose to insure your bicycle for tear and wear, as well as vandalism.

You can choose between an annual subscription, which you can cancel within three days after the minimum duration of one year has passed, or one-time protection of 7 to 30 days. The annual cover starts at 60 euros, so that is 5 euros per month with no deductible. The price depends on the purchase price of your bike.

Hepster Bike Insurance Benefits
Source: Hepster translated by Google

Should you be into bike racing or triathlons (like I am 😊), Hepster is a great insurance for your fancy race bike, as the maximum purchase price can be as high as 10.000 euros. Another benefit Hepster offers is no age restriction on your bike; however, there is a six-week waiting period if your bike is older than one year.

The only downside is that the Hepster website and customer service are only available in German.

Hepster Benefits:

βœ… Covers theft, burglary, and vandalism
βœ… Cover for tear & wear possible (including falls & accidents, but not during competitions)
βœ… Covers bikes up to 10.000 euros including all essential parts
βœ… Pays you the reinstatement value of your bike
βœ… 24-hour protection
βœ… Worldwide cover
βœ… No age restrictions on your bike (6-week waiting period if older than 1 year)
βœ… No minimum purchase price for a bike lock
βœ… No deductible

Hepster Drawbacks:

⛔️ Cancel Anytime only after 1 year with an annual contract
⛔️ Website and customer support only in German

When do I need German bike insurance?

If you have recently bought a new bike in Germany, we highly recommend you consider getting 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 theft insurance is included in my home contents insurance. So you only need to get separate bicycle insurance, if you do not have home contents insurance or if you would also like to insure your bike against vandalism and wear & tear, as Hepster does.

Should you have 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 is the Abus Bordo Big Folding Lock.

Our Choice
ABUS Bordo Big Bike Lock
Buy Now
We earn a commission if you click this link and make a purchase at no additional cost to you.

Why do I need bicycle insurance in Germany?

Bike theft is very popular in Germany, especially in larger cities. In 2020, the resulting damages of bicycle theft were 110 million euros. The number of insured bicycles stolen was 145.000, resulting in an average bike price of 730 euros.  

Map of Germany with numbers of bike thefts per state
Source: GDV – bike thefts in 2020 per 100.000 inhabitants (compared to 2019)

According to Statista, these are the top 5 cities for bicycle theft in 2020 in Germany

CityReported casesSolved cases
Berlin27.5881.285
Hamburg14.576 581
Leipzig9.129861
Cologne7.587532
Munich6.050604

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, you will need to pay for it yourself. However, Hepster does offer the option to also cover tear & wear, including falls & accidents as long as they don’t happen during competition.

Is biking popular in Germany?

Yes, biking is increasing in popularity in Germany year by year. According to Statista, there are around 81 million bicycles owned in Germany. 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. 

Since 2000, there is even 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.

πŸ”₯ 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 Hepster.

πŸ“£ 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.

Piggy bank

7 Hacks To Save Money In Germany

Get our FREE guide with 7 actionable hacks to save money while living in Germany. 7 days, 7 emails!

About the Author
Photo of 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.