Mobility:
Bicycle insurance
By the way: as a Zurich Bike Insurance customer, you get CHF 20 off on riding technique courses or bike tours at Swiss Bike School using the promotion code «ZurichKundeSBS».
What is bicycle insurance for, if you already have household contents insurance?
The coverage and sums insured included in household contents insurance are often insufficient for good protection, especially in the case of expensive bicycles and fast e-bikes (up to 45 km/h pedal assistance).
Do you have any questions?
Isn't my bicycle or e-bike already insured under my household contents insurance?
Bicycles and e-bikes with pedal assistance up to 25 km/hour are covered under the household contents insurance, but the coverage and sums insured included often do not provide sufficient protection. Bicycles are usually stolen outside the house and the household contents insurance only pays if the "Simple theft outside the home" supplement is included, which is often the case with a sum insured of CHF 2,000. However, this is not enough for more expensive bicycles. Accidental damage is usually not covered or then covered by the additional cover "Accidential damage to sports equipment" or "Accidential damage to contents" with a limited sum insured of, for example, CHF 2,000. Thus, an additional bicycle insurance is therefore worthwhile, especially for expensive bicycles or e-bikes. E-bikes with pedal assistance up to 45 km/hour are only insured under the household contents insurance with the supplementary cover "Motorcycles and electric motorcycles". These fast e-bikes can also be insured under the Zurich Bicycle insurance.
Can I also insure my e-bike?
Yes, both slow e-bikes with pedal assistance up to 25 km/hour and fast e-bikes with pedal assistance up to 45 km/hour can be insured under the Zurich Bicycle insurance.
What types of damage is my bicycle or e-bike insured against?
You benefit from comprehensive "All Risk" protection. This means that everything that is not explicitly excluded is insured. The most important exclusions are mere tyre punctures, damage due to wear and tear or participation in races.
I have taken out the Zurich Bicycle insurance. Why am I receiving the General Conditions of Insurance for Zurich Insurance of valuables?
The Zurich Bicycle Insurance is part of Zurich Insurance of valuables. This is why the General Conditions of Insurance of Zurich Insurance of valuables also apply to Zurich Bicycle Insurance.
How much money will I receive in the event of a claim?
- In the event of theft or total loss, you will receive - depending on the age of the bicylce (see GCI Art. 12.3.1) - up to 100% of the current new price, less the deductible stated in the policy.
- In the event of a partial loss due to damage, e.g. as a result of a fall, we will pay the repair costs, less the deductible stated in the policy. Carbon fiber frames will be repaired wherever possible.
Which insurance pays in the event of a bicycle accident?
If you have caused an accident while out cycling, your personal liability insurance will usually pay for damage to people and other people's property. Taking out personal liability insurance is not mandatory, but of course highly recommended especially for cyclists. For fast e-bikes, liability insurance with a vignette is compulsory, which you can usually obtain from the road traffic office in your canton. However, this insurance does not pay for damage to your own bicycle or any injuries you sustain. Bicycle insurance is therefore worthwhile for damage to your bicycle or e-bike. In the event of health consequences, you are protected by your accident insurance.
