Bicycle insurance

Velo

Zurich Bike Insurance

Ideal all-round protection for your bike

The Zurich Bike Insurance provides optimal coverage for your beloved bike.

Comprehensive protection with the carefree package

Whether on a bike tour around Lake Constance or mountain biking through the hills, the Bike insurance protects you - Europe-wide.

On-the-spot breakdown assistance

Services performed exclusively on public roads or parking lots in Switzerland and the Principality of Liechtenstein.

Easy to arrange

Conclude a policy online right now to protect your bike under the carefree Zurich Bike Insurance package, premiums starting at CHF 79/year.

Benefits at a glance

  • Comprehensive, Europe-wide protection for all bikes (bikes, electric bikes or pedal-assisted electric motorcycles up to a max. speed of 45 km/h)
  • Up to 100 percent compensation of the current original price in the event of total loss (theft/robbery and destruction as a result of accident/fall)
  • Assumption of repair costs in the event of damage resulting from an accident or fall
  • Assumption of additional transport costs up to CHF 500 in the event of a breakdown
  • Optional add-on: 24h on-site breakdown assistance in Switzerland and Liechtenstein carried out by a breakdown service technician
  • Starting from CHF 79 per year
  • When you take out Zurich Bike insurance, you will receive a Swiss Bike School voucher worth 10 Swiss francs, which can be used for a riding technique course or a bike tour.

What other customers ask

Taking out insurance

Which bikes can I insure? Can I also insure my e-bike?
Bikes and e-bikes (electric bikes or pedal-assisted electric motorcycles up to a max. speed of 45 km/h) that are less than six years old can be insured.

How much does the bike insurance cost?
The premium depends on the chosen sum insured and the chosen coverage (with or without on-site breakdown assistance): 

CHF CHF CHF CHF
Insured sum 2’000 4’000 8’000 12’000
Annual premium 79 99 149 199

Breakdown service on-site (optional) CHF 15

Can Zurich send me an offer?
No. You can calculate the premium with a few clicks directly online, which is why we do not make individual offers. The insurance can then be taken out directly online.

I don't have a credit card, can I pay the insurance on invoice?
No. The bike insurance is a purely online insurance product and as such can only be paid for by credit card – it's all very convenient and uncomplicated.

 

Who and what is insured?

I have a rental bike; can I insure it?
No, only the owner of the bike and anyone the owner authorizes to use the bike are insured. Only private individuals or companies with a residence or domicile in Switzerland can be insured.

Which events are insured?

  • Theft and robbery
  • Damage or destruction resulting from an accident or fall
  • Breakdown (assumption of additional transport costs up to 500 Swiss francs)
  • Optional add-on: 24-hour on-site breakdown assistance

 

What is not insured?

Important uninsured events are the following. For a complete list of uninsured events and exclusions, please refer to the General Conditions of Insurance. The following are not insured, among others:

  • Breakdowns due to dead batteries
  • Willful damage by third parties
  • Any form of racing
  • Cycling sports such as track racing, cycle ball, artistic cycling, BMX, slopestyle, dirt jumping and similar activities
  • Training rides as a professional athlete

 

Where is the insurance valid?

I often use my bike outside of Switzerland, am I still insured?
Yes, as long as you are traveling in Europe (exception: active breakdown assistance, see below). Relevant here is whether or not the location geographically belongs to Europe. The active breakdown assistance is valid in Switzerland and the Principality of Liechtenstein.

 

Term, renewal, cancellation

How long will the contract be valid after I sign?
The bike insurance protects you for one year from the beginning of the coverage. Rather than renewing automatically, we will send you an email one month before expiry that allows you to renew seamlessly – you decide each year whether you want to renew your insurance. This is also the case if you received the bike insurance from your bike dealer for one year free of charge with your bike purchase.

How do I extend my contract?
One month before the insurance expires, you will receive an email that allows you to extend the insurance coverage.

How can I cancel the insurance?
It is not necessary to cancel, as the insurance expires automatically after one year. One month before expiry, we will send you an email that allows you to seamlessly renew your insurance cover. If you do not want to do this, you can simply ignore the message.

 

Change of bike

I sold my bike and bought a new one. Can I insure the new bike under the existing policy?
In principle, yes. You just need to inform us of the change so that we can record the new bike in the policy instead of the sold one. However, if you wish to have a different sum insured for the new bike, you will have to take out a new policy; we will then cancel the previous policy on the date of sale and refund the premium proportionately.
The easiest thing to do is to send us an email at to-go@zurich.ch and let us know about the bike change. Alternatively, you can also contact us at 0800 80 80 80.

 

How much will I receive in the event of a loss?

In the event of partial damage (damage as a result of accident/fall), we will cover the repair costs up to the amount of the replacement price at the time of the loss event. Damaged carbon frames are repaired where possible.

In the event of a total loss (destruction as a result of accident/fall and theft/robbery) we will cover up to 100 percent of the current replacement price for a new equivalent bike, depending on the age of the bike. The specific compensation depending on the age of the bike is listed under Article 6.5 of the General Conditions of Insurance.

In the event of a breakdown, we will cover additional transport costs of up to 500 Swiss francs. If you have taken out the additional "Breakdown Service" option, we will provide 24-hour on-site breakdown assistance.

 

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Our advisory service

Conclude a policy online right now to protect your bike under the carefree Zurich Bike Insurance package, premiums starting at CHF 79/year.

Take out a policy online

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