Monthly prices start from 2,53 €.
Monatlich schon ab 2,53 €. Fahrradversicherung.
Digital. Einfach. Ökologisch.
Produktvariante: Standart
Kaufpreis: bis 1000 €
Erstkaufdatum: nicht älter als 5 Jahre
Our Tariffs
| Standard | Comfort | Full | |
|---|---|---|---|
| Theft Protection | |||
| Accidental Damage | |||
| Vandalism | |||
| Check Our Prices | Check Our Prices | Check Our Prices |
Our Tariffs
| Standard |
|---|
| Theft Protection |
| Accidental Damage |
| Vandalism |
| Check Our Prices |
| Comfort |
|---|
| Theft Protection |
| Accidental Damage |
| Vandalism |
| Check Our Prices |
| Full |
|---|
| Theft Protection |
| Accidental Damage |
| Vandalism |
| Check Our Prices |
Tariff Details
| Standard | Comfort | Full | |
|---|---|---|---|
| Fall or Drop Damage | |||
| Improper Usage, Operating Errors | |||
| Moisture Damage to Battery, Motor and Control Devices | |||
| Wear and Tear (only for bikes under 5 years old) | only for Battery and Motor | ||
| Carbon Bikes (Parts and Frame) | Only Carbon Parts | ||
| Repair Approval without Cost Estimate | unless cost exceed €500 | unless cost exceed €500 | unless cost exceed €500 |
| Elemental Dangers (Storm, Hail, Flood, Landslides, Avalanche) | |||
| Electronic Damage (Short Circuit, Induction, Overvoltage) to Battery, Motor and Control Devices) | |||
| Defined Accessories and Baggage Coverage | 30% of the Insured Sum, max 1.000€ | 100% Insured Sum | 100% Insured Sum |
| Free Choice of Repair Shop | |||
| Roadside Assistance | up to €50 (With «Schutzbrief» Option) |
up to €50 (With «Schutzbrief» Option) |
|
| 24 Hour Service | With «Schutzbrief» Option |
With «Schutzbrief» Option |
|
| Overnight Expenses | Max.5 nights €80 per night (With «Schutzbrief» Option) |
Max.5 nights €80 per night (With «Schutzbrief» Option) |
|
| Back & Forth Transportation | up to €500 (With «Schutzbrief» Option) |
up to €500 (With «Schutzbrief» Option) |
|
| Replacement Bike | Max 7 days, €50 per day (With «Schutzbrief» Option) |
Max 7 days, €50 per day (With «Schutzbrief» Option) |
|
| Max Bicycle Age | 5 years | 5 years | 5 years |
| Coverage Territory | Worldwide | Worldwide | Worldwide |
| Risk Carrier: Element Insurance AG (element.in) |
Tariff Details
| Standard | Comfort | Full |
|---|---|---|
| Fall or Drop Damage | ||
| Improper Usage, Operating Errors | ||
| Moisture Damage to Battery, Motor and Control Devices | ||
| Wear and Tear (only for bikes under 5 years old) | ||
| only for Battery and Motor | ||
| Carbon Bikes (Parts and Frame) | ||
| Only Carbon Parts | ||
| Repair Approval without Cost Estimate | ||
| unless cost exceed €500 | unless cost exceed €500 | unless cost exceed €500 |
| Elemental Dangers (Storm, Hail, Flood, Landslides, Avalanche) | ||
| Electronic Damage (Short Circuit, Induction, Overvoltage) to Battery, Motor and Control Devices) | ||
| Defined Accessories and Baggage Coverage | ||
| 30% of the Insured Sum, max 1.000€ | 100% Insured Sum | 100% Insured Sum |
| Free Choice of Repair Shop | ||
| Roadside Assistance | ||
| up to €50 (With «Schutzbrief» Option) |
up to €50 (With «Schutzbrief» Option) |
|
| 24 Hour Service | ||
| With «Schutzbrief» Option | With «Schutzbrief» Option | |
| Overnight Expenses | ||
| Max.5 nights €80 per night (With «Schutzbrief» Option) |
Max.5 nights €80 per night (With «Schutzbrief» Option) |
|
| Back & Forth Transportation | ||
| up to €500 (With «Schutzbrief» Option) |
up to €500 (With «Schutzbrief» Option) |
|
| Replacement Bike | ||
| Max 7 days, €50 per day (With «Schutzbrief» Option) |
Max 7 days, €50 per day (With «Schutzbrief» Option) |
|
| Max Bicycle Age | ||
| 5 years | 5 years | 5 years |
| Coverage Territory | ||
| Worldwide | Worldwide | Worldwide |
| Risk Carrier: Element Insurance AG (element.in) | ||
Protection on Two Wheels: The Bike/E-Bike Insurance by Techafull - Your Reliable Companion for Carefree Rides
Your bicycle or E-Bike is more than just a means of transportation - it's your freedom on two wheels. At Techafull, we understand the value and significance of your two-wheeler and provide you with the bicycle/E-Bike insurance you need to hit the road worry-free.
Why Choose Bicycle/E-Bike Insurance from Techafull?
Our insurance is designed to safeguard your precious possession, whether it's your bicycle or E-Bike. We offer comprehensive coverage against theft, accidents, and damages, allowing you to enjoy your cycling adventures without having to worry about potential risks.
The Benefits of Our Bike/E-Bike Insurance:
- Comprehensive Protection: Our insurance covers theft, vandalism, accidents, and damages to ensure that your two-wheeler is in the best hands.
- Fast Claims Processing: In the event of a claim, we ensure swift processing so you can get back on the road as quickly as possible.
- Enhanced Coverage: Our insurance also offers optional extended coverage, including legal protection and additional benefits.
- Bicycle Assistance Service: Our Techafull Bicycle Assistance Service provides quick help in case of breakdowns or accidents, allowing you to continue your journey without interruptions. For example, 24-hour assistance, overnight expenses, onward and return travel, replacement bicycle.
- Flexible Coverage: We tailor our policies to your individual needs, ensuring you receive optimal insurance coverage.
- Easy Management: With our user-friendly online platform, you can easily manage your insurance policies and make changes.
Your Bike, Our Commitment
With Techafull, you can trust that your bicycle/E-Bike insurance is built on a solid foundation. We combine established principles with cutting-edge technology to provide you with a reliable, flexible, and innovative insurance solution.
Scope of Insurance Coverage
The bicycle or pedelec/e-bike specified in the insurance policy and supported by a purchase receipt (retail purchase receipt or private purchase contract in the original, issued in the name of the policyholder) is insured. This includes all parts firmly connected to the bicycle or pedelec/e-bike and essential for the bicycle's operation, such as the saddle, handlebars, lights, luggage rack, and the lock used.
Not insured are:
- Velomobiles/fully enclosed bicycles;
- Dirt bikes;
- Custom-built bikes;
- Bicycles without the original retail purchase receipt or private purchase contract;
- Bicycles for which insurance is mandatory;
- Commercially used bicycles;
- Modifications (bicycles with retrofitted or replaced parts exceeding 20% of the original retail selling price);
- Bicycles with carbon frames.
Does Our Bicycle Insurance Cover This or Not?
Covered Risks and Damages
Accident
Accident involving a mode of transportation (not applicable if the bicycle was entrusted to a transportation company)
Vandalism
Falls or crash damages
Damage due to fire, explosion, lightning
Natural disasters (storm, hail, flood, landslides, avalanche)
Damage caused by animals
Operator errors, improper handling
Material, production, and construction defects after the expiration of the warranty period
Moisture damage to the battery, motor, control devices
Electronic damages (short circuit, induction, overvoltage) to the battery, motor, and control devices
Excluded Damages
Damages that do not affect the functionality of the pedelec (e.g., scratches or paint damage)
Rust or oxidation
Damages for which a third party is contractually responsible as a supplier, manufacturer, seller, due to a repair order, or any other contractual relationship
Manipulation of the drive system or damages due to non-professional installation or modifications, as well as improper repairs, and particularly unconventional use or cleaning of the bicycle not in accordance with the manufacturer's specifications
Damages resulting from war, war-like events, civil war, rebellion, civil unrest, terrorism
Damages incurred through participation in cycling events, including associated training and practice rides, as well as races aimed at achieving maximum speed
Cost-increasing modifications that were not reported to the insurance company
Riding under the influence of alcohol
Bicycles without a retailer's sales receipt or original contract from private sales
Bicycles for which insurance is mandatory
Deliberate acts
Recurring damages and manufacturer recalls
Contents
Theft
Vandalism
Repair
Accident and Fall/Drop Damages
Electronic Damages
Battery & Motor Wear
Wear and Tear of Certain Bicycle Parts
Optional Extras for Your Individual Needs
The various extras that you can add to your bicycle insurance provide specialized protection tailored to your requirements. All of these extras are designed to comprehensively safeguard you and your bicycle. When looking for the best bicycle insurance, you can rely on the additional options from Techafull.
Assistance Service
24-hour assistance, breakdown assistance, towing, recovery, onward and return travel, replacement bicycle, overnight expenses, bicycle return transport, bicycle disposal, emergency cash.
Rental Bicycle Coverage
In the event of a damage-related failure of the insured bicycle, this bicycle insurance's coverage also extends to a received rental bicycle.
Green Mobility
Covered are the costs of a rental bicycle or another sustainable mobility solution (e.g., e-scooter) if necessary, for example, during a damage-related repair of the insured bicycle.
Inspection/Maintenance
Manufacturer-recommended inspections in the first 24 months from the date of purchase are considered included and will be reimbursed up to €80 per year upon presentation of the inspection certificate by the authorized dealer.
An Overview of Bike Insurance
What is bicycle insurance, and why is it necessary?
Bicycle insurance is a type of insurance that provides protection against unexpected events such as theft, damage, or accidents involving your bicycle. For cycling enthusiasts, this can be necessary because bicycles are often valuable, and the risk of such incidents exists.
What coverage does bicycle insurance provide?
Bicycle insurance can often cover events like theft, accident damage, vandalism, and fall or crash damages. The extent of coverage can vary depending on the type of policy, so it's important to compare different options. Techafull offers three different tariffs for bicycle insurance: Standard, Comfort and Full. These tariffs are designed to meet the needs of all customers.
How much does bicycle insurance cost?
The premiums for bicycle insurance can vary depending on the value of your bicycle, your location, and the scope of the policy. On average, annual premiums are typically calculated based on a percentage of the bicycle's value. Techafull bicycle insurance offers comprehensive protection at prices starting from just €2.53 per month.
Example: Accident Damages
Every morning, Daniel used to commute to work on his bicycle. His workplace was quite far from his home, and he preferred cycling to get there quickly without getting stuck in traffic. One day, as he was riding his bicycle to work, a car driver suddenly failed to notice Daniel and collided with him. This accident left Daniel with severe injuries, and his bicycle was heavily damaged.
Initially, Daniel was concerned about his health, but then he realized that he needed to have his bicycle repaired. He relied on his bicycle for both his daily commute to work and leisure activities. However, the repair costs were quite high, and Daniel didn't have insurance. He had to bear an unexpected financial burden for the bicycle repair.
If Daniel had bicycle insurance from Techafull, his accident-related damages and repair costs would have been covered by the insurance. Daniel would have been shielded from unexpected financial difficulties and could have quickly resumed using his bicycle.
If you frequently use your bicycle in your daily life, it can be a wise decision to obtain bicycle insurance to protect yourself from the financial consequences of unexpected accidents and damages. Get a bicycle insurance quote from Techafull with affordable options and comprehensive protection tailored to your needs.
Attractive Extra Services
The Tariff Variants
High Flexibility and Modern
FAQ
-
Do you provide replacement bikes while my bike is in repair?
You can take advantage of our replacement bike service by adding the «Schutzbrief» service when purchasing your insurance.
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Is my bike insurance valid abroad?
Yes, your Techafull bike insurance is valid worldwide.
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Are my bike accessories also covered?
Techafull covers all parts that are permanently attached to the bike or pedelec/e-bike (including the battery) and are part of the bike's function, such as the seat, handlebar, lights and trunk, as well as the lock used.
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Can I insure my old bike?
You can insure your bikes up to 5 years old with Techafull.
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Can the engine or battery not working due to moisture be covered by the insurance?
Yes, we protect you against engine or battery damage caused by moisture with all our tariff options.
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Do you have a service that I can get 24-hour support in case my bike has a problem?
By adding the «Schutzbrief» service when purchasing your product, you can benefit from many privileges such as 24-hour assistance, roadside assistance, towing, recovery, round trip, replacement bike, accommodation costs, return transportation of the bike, scrapping the bike, emergency cash.
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How can I file an insurance claim?
In the event of theft or damage to your insured bicycle, it's essential to report the damage to your insurance company as quickly as possible. You have various contact options available, such as phone or email. You can easily report your claim on the "My Techafull" page on the website. This way, you can expedite the processing of your claim. Make sure to have all relevant information and documents ready, such as the insurance policy, purchase receipt, and a detailed description of the incident.
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Can I cancel my bike/e-bike insurance?
Yes, you can cancel your bicycle insurance at any time. However, please take note of the notice periods and durations stipulated in the insurance terms and conditions.
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Can I choose my own repair shop?
Yes, all of our policies provide you with the freedom to choose your own repair shop. You can select your preferred repair shop for any bicycle repairs or maintenance work.
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