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E-Bike Insurance — Covering Theft & Damage | Hörz & Haapamäki | Hörz & Haapamäki — Das Versicherungshaus

E-Bike Insurance

Your E-Bike.
Optimally protected.

E-bikes and pedelecs are valuable and popular — also among thieves. E-bike insurance protects against theft, accident damage, and electronic defects.

Insure E-Bike 0711 · 2172 3240

Your E-Bike — protected against theft and damage

E-bikes cost an average of 3,000–5,000 euros and are a popular target for theft. E-bike insurance protects against theft, vandalism, fall and accident damage, as well as electronic defects. Often significantly cheaper than the manufacturer's extended warranty.

Insurance Benefits

Theft Protection

Insured worldwide against theft — including on the go, not just from the garage.

Electronics Coverage

Defects to the motor, battery, and control electronics — including moisture damage.

Repair Costs

Accident damage, falls, and vandalism — repair or replacement.

Wear & Tear Protection

Some tariffs even cover wear and tear on the battery and drivetrain components.

Breakdown Assistance

Collection and transport in the event of a breakdown or accident — throughout Germany.

New Value Compensation

Within the first 12–24 months, you receive the full purchase price back.

Who benefits from this coverage?

E-Bike Commuters

Daily use increases the risk of theft and wear.

High-Value Bikes

For purchase prices from €2,000, insurance is especially worthwhile.

Sport Riders

E-mountain bikes and S-pedelecs with higher accident risk.

Families

Multiple e-bikes? Family plans offer bulk discounts.

What is covered?

Versichert

Nicht versichert

How to Insure Your E-Bike

Enter Bike Details

Brand, model, purchase price, frame number, and purchase date.

Choose Your Coverage

Basic (theft) or Premium (including electronics and wear & tear)?

Compare Rates

Specialized e-bike insurers compared side by side.

Instantly Protected

Complete online, coverage starts the next day.

Frequently Asked Questions

Home contents insurance often only covers theft from locked spaces (basement, garage). Theft while out and about is not covered, or only partially. Damage to the bike itself is never included.

Depending on the purchase price and level of coverage, approximately 50–200 EUR/year. For a 3,000 EUR bike, expect around 80–120 EUR/year for comprehensive coverage.

Yes, most insurers require a certified bicycle lock (e.g. VDS Class A+ or Sold Secure Gold). The lock must always be used when parking the bike.

No, the battery is insured as part of the e-bike — both for theft and for defects (depending on the policy).

Request Consultation

Free and non-binding — your personal insurance comparison.

Secure E-Bike Protection

Protect your investment against theft, damage, and electronic defects.

Schedule a Consultation 0711 · 2172 3240

Your E-Bike.Optimally protected.