Bicycle insurance

Zurich Bike Insurance

Ideal all-round protection for your bike

The Zurich Bike Insurance provides optimal coverage for your favorite 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.

Service at a glance

  • Extensive comprehensive insurance for all bikes (bicycles or alternatively electric bicycles or electric motorcycles with pedal support up to max. 45 kph) 
  • Compensation for up to 100% of the purchase price in the event of theft and robbery
  • Payment of repair costs or compensation of up to 100% of the purchase price in case of a total write-off for damage and/or destruction as a consequence of an accident
  • Additional transport costs paid if you break down, up to CHF 500 
  • Optional: 24-hour breakdown assistance from breakdown specialists
  • Starting at CHF 79/year

In detail

Who can take out a policy?

Private individuals and companies domiciled in Switzerland or the Principality of Liechtenstein.

What bikes can be covered?

Insurance coverage is available for bicycles or electric or electric motor-assisted bicycles with pedal assistance up to 45 km/h (hereinafter referred to as “bikes”)

Summary of premiums (in CHF incl. 5% stamp duty)


   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

Theft and robbery

Up to 100% of the new price for an equivalent bike covered, in accordance with the General Conditions of Insurance (GCI).

Accident-related total loss or damage

  • In the event of partial damage, repair costs covered (damaged carbon frames repair if possible)
  • In the event of total loss, up to 100% of the new price for an equivalent bike, in accordance with the General Conditions of Insurance (GCI).

Additional transport costs in case of breakdown (included in standard package)

  • Additional transport costs covered for bike and rider, to the place of residence or business or to the bike tour starting point
  • Additional transport costs incurred by accompanying travelers due to the breakdown
  • Maximum benefit per occurrence CHF 500

On-the-spot breakdown assistance (optional)

On-the-spot breakdown assistance by a breakdown specialist if the bike is no longer roadworthy due to a breakdown or an accident
Services performed exclusively on public roads or parking lots in Switzerland and the Principality of Liechtenstein

Where does it apply?

  • Anywhere in Europe, whether you’re on a bike tour round Lake Constance or mountain biking through the hills:
  • Active breakdown assistance (optional): Exclusively on public roads or parking lots throughout Switzerland and the Principality of Liechtenstein

When does the policy begin and end?

  • On the date you selected (no earlier than one day after online conclusion)
  • The insurance term is lasts for one (1) year (no automatic renewal)
  • Four weeks prior to expiry of the insurance policy you will receive an e-mail reminder to renew the insurance coverage

What cases are not covered?

  • 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
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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.

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