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Is my bicycle insured in the contents insurance?

Your bicycle stolen! An annoying situation of course. Whether you are insured when your bicycle is stolen depends on how you are insured. Is your bicycle insured in the contents insurance? We explain it to you.

what does bicycle insurance cost

Does a bicycle fall under the contents insurance?

When your bicycle is stolen, it is best to report it to the police as soon as possible. Then contact your insurer or agent as soon as possible to report the theft. Whether your bicycle is covered by your home contents insurance depends on the situation. Your insurer or agent can often tell you immediately whether your damage is covered.

Contract contents insurance? Calculate your premium!

Has your bicycle been stolen from your home or shed? Then in most cases it is covered by your contents insurance. You have to be able to prove that your bicycle was locked and that the shed/house in which it was stored was locked. Is this not the case? Then the insurer will not pay the damage. So always make sure your bicycle is locked and your house or shed is locked. There also has to be traces of breaking and entering in the house or shed from where your bicycle was stolen.

Has your bicycle been stolen from somewhere other than your home or shed? In most cases, your bicycle is not covered under your home contents insurance. You will have to take out a separate bicycle insurance for this.

Get separate bike insurance from Alpina

So, as explained above, there are situations where your bicycle is not covered by contents insurance. Do you want to insure your bike against street theft? Then you can purchase a separate bicycle insurance policy from Alpina.

Do you have a new or expensive bicycle or e-bike that is often left outside? Then bicycle insurance is certainly worth considering. However, you must be able to prove that your bicycle or e-bike was locked in the event of theft. If you cannot, the theft is still not covered by the bicycle insurance.

Is bicycle insurance mandatory? No, it is not obligatory by law, but it is certainly advisable. You pay hundreds or even thousands of euros for the bicycle. Theft can cause you to lose the investment all at once. With bicycle insurance, you will not suffer any financial loss as a result of the theft. The insurance often includes a generous compensation. During the first three years, for example, you will receive 100% of the insured amount in the event of theft and not the current value of the bicycle. With most bicycle insurances you do not have to pay an excess. So you get the full amount of the claim back. You can insure your bicycle against theft and accidental damage for a relatively low premium. Read more about the most frequently asked questions on bicycle insurance here.

Calculate the premium for your home contents insurance now

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