Bicycle Insurance Austria 2025: The Complete Guide
Everything about bicycle insurance in Austria: Theft, vandalism, accident. Compare 12 providers. Save up to €150. Also for e-bikes.
Advertising Notice
This article contains affiliate links to durchblicker.at. If you sign up through these links, we receive a commission at no extra cost to you.
Why Bicycle Insurance Makes Sense
In Austria, thousands of bicycles are stolen every year – over 7,500 per year in Vienna alone. The detection rate is only 9%. Bicycle insurance protects you from financial loss.
Compare Bicycle Insurance Now
Alarming Statistics
7,500+
Bicycles stolen per year in Vienna
9%
Detection rate for theft
€150
Potential annual savings
What Does Bicycle Insurance Cover?
Covered Risks
| Risk | Description | Covered |
|---|---|---|
| Theft | Complete bicycle stolen | Yes |
| Partial Theft | Individual parts stolen (saddle, wheel) | Yes |
| Robbery | Forcible taking | Yes |
| Vandalism | Deliberate damage | Yes |
| Fire/Explosion | Fire and explosion damage | Yes |
| Abroad Coverage | Protection on trips across Europe | Depends on plan |
Important Benefits Explained
New Value Compensation
With most insurances, you receive the current new value in case of damage – not the depreciated value. This means: You can buy an equivalent new bicycle.
Accessory Protection
Fixed accessories are often included:
- Bicycle computer
- Lighting
- Locks
- Child seats
- Luggage racks
24/7 Protection
The insurance applies around the clock:
- At home (basement, garage)
- On the go (at the train station, in front of the supermarket)
- While traveling (in Austria and Europe)
Price Factors for Bicycle Insurance
| Factor | Effect |
|---|---|
| Bicycle Value | More expensive bike = higher premium |
| Postal Code | Safe area = cheaper |
| Lock Quality | Good lock = possible discount |
| Contract Length | Longer term = discount |
| Deductible | Higher = lower premium |
Lock Requirements to Note!
Important: Many insurances require that your bicycle was secured with a high-quality lock. Pay attention to:
- Minimum lock class (e.g., VdS class A or B)
- Frame lock alone is often not sufficient
- The lock must have been locked at the theft location
E-Bike vs. Bicycle Insurance
E-bikes are more valuable and therefore often have higher premiums:
| Criterion | Bicycle | E-Bike | |-----------|---------|--------| | Average Value | €500-1,500 | €2,000-5,000 | | Premium (approx.) | €50-100/year | €100-200/year | | Battery Damage | Not relevant | Often included | | Electronics Damage | Not relevant | Often included |
E-Bike Tip: There are special rates for e-bikes that also cover battery defects and electronic damage. Check this option at durchblicker.at.
12 Providers Compared
durchblicker.at compares 12 bicycle insurers:
- Allianz
- Argus
- Bikmo
- ERGO
- Grawe
- Hanse Merkur
- Hepster
- VCOE
- Wertgarantie
- Wüstenrot
- Wypeitaway
- Zurich
Compare All 12 Providers
Practical Tips Against Theft
1. Use a High-Quality Lock
- U-lock or chain lock recommended
- Invest at least €50 for a good lock
- Don't use spiral cable locks
2. Lock Properly
- Always attach to a fixed object
- Secure frame AND wheel
- Don't just lock the front wheel
3. Register Your Bicycle
- Register with police or online
- Note and photograph the frame number
- Increases the chance of recovery
4. Choose Location Wisely
- Prefer busy, well-lit places
- Use video-monitored areas
- Secure basement storage well
Frequently Asked Questions (FAQ)
Isn't household insurance enough?
Many household insurances cover bicycle theft only to a limited extent (e.g., up to €1,000) and only for burglary from locked rooms. Separate bicycle insurance offers more comprehensive protection.
What happens with partial theft?
With partial theft (e.g., only saddle or wheel stolen), the value of the stolen part is replaced. The rest of the bicycle remains with you.
How do I report a claim?
- Inform the police and file a report
- Take photos of the crime scene
- Notify the insurance immediately
- Have purchase receipt and keys ready
Can I also insure my old bicycle?
Yes, but the insurance value is based on the current time value. For very old bicycles, insurance may no longer be economically worthwhile.
Is there a waiting period?
Some insurances have a waiting period of 2-4 weeks. During this time, the bicycle is not yet fully protected.
Conclusion: Bicycle Insurance as Important Protection
With the low detection rate and high theft numbers in Austria, bicycle insurance is a sensible investment – especially for high-value bikes and e-bikes.
Our recommendations:
- Insure newer bicycles worth €500+
- E-bikes should definitely be insured
- Pay attention to lock requirements
- Compare prices – up to €150 savings
Compare Bicycle Insurance Now
Compare 12 providers and find the right protection for your bicycle – save up to €150 yearly.
Go to Bicycle Insurance Comparison on durchblicker.at
Disclaimer: The information in this article is for informational purposes only and does not constitute insurance advice. Prices and services may change. For current rates, please visit the respective provider's website.
Disclaimer and Legal Information
No Financial or Legal Advice: The information provided on this website is for general information purposes only and does not constitute financial, legal, or tax advice. It does not replace individual consultation with a professional expert.
No Warranty for Accuracy and Timeliness: Despite careful research, we cannot guarantee the completeness, accuracy, and timeliness of the information. Prices, terms, and services may change at any time. Please verify all information directly with the respective provider.
No Recommendations: The mentioned products, services, or providers do not constitute a personal recommendation. The selection was made for informational purposes. Every decision is your own responsibility.
Liability Disclaimer: We assume no liability for damages or losses that could arise from the use of the information provided. This applies in particular to financial decisions based on this information.
External Links: For content of external websites we link to, their operators are exclusively responsible.
Information as of: November 2024. All information without warranty. Changes and errors excepted.