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Why get a bicycle insurance? 

According to VCÖ, 19,455 bicycles were stolen in Austria in 2024. Bicycle insurance included in household insurance usually does not cover theft outside your own home. Therefore, additional bicycle theft protection is advisable.

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Insurance for bicycles and e-bikes

All bicycle insurance benefits apply to bicycles and electric bicycles

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Austria-wide theft protection

The bicycle theft insurance is valid throughout Austria and in all neighbouring countries

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Refund of the purchase price

In the event of theft, the purchase price minus depreciation (use & age) will be refunded

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Reimbursement of repair costs

In the event of damage to the bicycle due to burglary, theft or robbery

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Partial theft & vandalism insurable

Comprehensive protection, even if only the handlebars, saddle, wheel or accessories are stolen

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Breakdown assistance included

Enjoy on-site assistance, transport to the nearest workshop or transport home

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The packages offered by Bicycle & E-bike Insurance

Enjoy comprehensive theft protection with Allianz bicycle insurance.
All services listed apply to both bicycles and electric bicycles.

When is a bicycle insurance advisable?

Whether bicycle insurance or e-bike insurance makes sense depends on several factors, such as purchase price, residential area, and everyday use. We have compiled a checklist of the decisive criteria:

Decisive criteria for the decision

  • Value of the bicycle: The higher the purchase price, the more worthwhile it is to take out bicycle insurance. This is usually the case for e-bikes, cargo bikes or special sports bikes such as racing bikes and mountain bikes.
  • Residential area: According to VC, two-thirds of bicycle thefts occur in state capitals. The risk of bicycle theft is therefore higher in urban areas.
  • Everyday use & storage location: If the bicycle is frequently used for commuting to work or school and is parked in public places such as train stations, it is worth investing in bicycle theft protection.
  • Travelling by bike: If you take your bike with you on holiday, it is particularly annoying if it gets stolen. That is why it makes sense to take out bike insurance that is also valid abroad.
  • Coverage under household insurance: Theft outside your own home is usually not covered by household insurance. In addition, insurance values are often limited.

We will cover these costs

  • Reparaturkosten bei Beschädigung des Fahrrads aufgrund von Einbruchdiebstahl, einfachem Diebstahl und Beraubung
  • Bei Diebstahl Erstattung des Kaufpreises abzüglich einer Wertminderung. Die Wertminderung errechnet sich je nach Gebrauch bzw. Alter des Fahrrads
  • Übernahme der Wiederbeschaffungskosten nach Teildiebstahl
  • Erstattung der Reparaturkosten durch Vandalismusschäden
  • Pannenhilfe, Transport in die nächste Werkstatt oder Heimtransport

Costs of bicycle insurance

Case study: bicycle insurance, variation 1

Marlene Muster (24) lives and works in Graz. She has bought a new city bike for € 1,500 and rides it to work every day. Unfortunately, she has to park it outside the building and lock it up. Since most bikes in cities are stolen, she doesn't want to take any risks and takes out bicycle insurance.

Monthly premium for my bicycle & e-bike insurance Variation 1:
€ 6,90 per month 

Explanation of calculations

Example Marlene Muster - Assumption City bike with new retail price € 1,500 => 5.5% of the NVP = €  82.50 per year (€ 6.90 per month).

Case study: E-bike insurance variation 2

Mario Muster (38) enjoys cycling on his new e-bike in his spare time. The new retail price of the e-bike was € 4,500. He would like to have insurance cover in the event of theft or breakdown. Protection against partial theft and vandalism is also very important to Mario Muster.

Monthly premium for my bicycle & e-bike insurance Option 2:
€ 31,90 per month 

Explanation of calculations

Example Mario Muster - Assumption: e-bike with new retail price € 4,500 => 8.5% of the new retail price = € 382,50 per year (€ 31,90 per month).
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Frequently asked questions about bicycle insurance

All bicycles and e-bikes can be insured.

Yes, bicycle insurance can also be worthwhile for a used bicycle, especially if the bicycle is still relatively new and of high quality. Even for used bicycles, the financial damage caused by theft or vandalism can be high.

Allianz bicycle insurance is valid throughout Austria and in all neighbouring countries. Only breakdown assistance and repatriation (bicycle assistance) are valid exclusively within Austria.

Yes, the excess is 10% of the amount to be reimbursed by Allianz (minimum € 100).

In most household insurance policies, bicycle coverage is limited to a few insurance benefits. This usually applies to bicycle theft from your own residential building (flat or house) or from a locked basement compartment. However, many bicycles are stolen in public spaces, which is not covered by household insurance. Household insurance policies often contain specifications regarding the time of day and a limitation on the insured value.

No, accidents involving your bicycle are not covered by bicycle insurance. For this, you need to take out private liability insurance or private accident insurance.

You can terminate the contract at the end of the third insurance year with three months' notice. After that, you can terminate the contract annually on the main renewal date with three months' notice.

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