Bicycle insurance: What you should consider when making a comparison
If you want to insure your bike separately, you should compare the different policies. You should pay attention to the following points:
Some providers only insure bikes up to one certain purchase price. If the model is too expensive, it can no longer be insured.
accessories and luggage can in some cases only be included in the insurance cover upon application.
Do you have a excess or does one apply complete indemnification?
Does the insurer require you to approved lock use?
Can only newly purchased or also used bicycles be insured? Some providers do not insure older bikes because they may be more susceptible to repairs.
Not every damage is included in a tariff.
protection abroadfor example while on vacation: check where and for how long the insurance cover applies.
For vacationers it is important whether a pick-up service or a cover letter are also insured. This means, for example, that the costs for a towing service or roadside assistance are covered.
Some providers are closing Cycling events and training off, for example downhill rides.
When Will repairs be accepted in the event of damage and when does this apply? Are you entitled to a new bike of equal value?
Find out whether the insurance premium goes down if you leave the bike code to let. You can often have this done by the local police.