How To Bike Insurance

Getsafe has a new bike insurance and can tell you everything you need to know about it


You’re once again running late and rush to your bicycle to finally get going. But the only thing you can find is your broken bike lock. Does this sound familiar? No wonder: In Germany, every two minutes a bike gets stolen – but only every tenth bicycle theft is cleared up. So what can you do to protect yourself from such a danger? Getsafe has the answer and can tell you everything you need to know about bike insurance.

The ultimate guide to bike insurance

In most cases you have to take out contents insurance to be able to insure your bicycle. The Getsafe bike theft insurance offers you an alternative. You can just insure your bicycle, starting from 0,55€/ month. Learn more about how it works, what it covers and what you should pay attention to.

When and where is my bicycle insured?

Your bike is insured 24/7. Not only in Germany, but also on trips that last up to six months.

What else is included in the insurance?

Not only your bike, but also your lock is included in the insurance if it gets stolen along with your bike. This way you get the value of the bike refunded and you can buy a new one – including a new bike lock.

What do I have to keep in mind when locking my bike?

In order to protect your bicycle sufficiently against theft, you are obligated to lock your bicycle with a security lock on a firmly anchored object (e.g. a bicycle stand or a lamppost). You should ensure that it cannot be easily removed, carried away or lifted out. If you regularly park your bike in a room used by other people, make sure you always lock your bike with a security lock and that the room is locked. If you happen to have a cellar or backyard to park your bike at home, you are obligated to use it.

What does the premium upgrade include and why do I need it?

With our basic protection your bike is protected against simple theft and robbery. The Upgrade Premium extends your basic protection to partial theft and vandalism. Therefore, we also protect you if, for example, only your saddle was stolen or your spokes were completely bent.

What parts of my bike are insured with the premium upgrade?

Only fixed parts are covered with the premium upgrade. This means that only parts that are required for independent use of the bicycle are insured. This includes, for example, the chain, spokes or saddle. However, accessories, even if they are firmly attached, are not covered. Trailers, child seats, saddlebags or other objects that are firmly attached to the bicycle but are not part of the function of a bicycle are therefore not covered.

What do I have to do after a theft or damage has occurred?

In the event of theft or damage, you should be able to present all the documents that provide information about the manufacturer, frame number and brand of the bicycle. You must also report every theft or damage to the police.

Can I insure several bicycles?

Yes, you can insure several bicycles. Please make sure to state the exact number and the total value of all bicycles you want to insure as the insurance sum.

How do I determine my insurance sum?

Your insurance sum must correspond to the value of all bicycles you want to insure plus the value of the security locks. Use your purchase receipt as a guide.

Do you have any questions? Contact us. The Getsafe team will be happy to advise you. Send an email to [email protected].

Stay safe!