E-bike insurance (Hepster)

The e-bike is insured (a pedelec that is not subject to compulsory insurance). Depending on the tariff module:

Damage/destruction:

• Destruction, damage, operating errors, and improper handling
• Fire & explosion; storm, hail, flooding, avalanches, landslides
• Electronic and moisture damage to the battery, motor, and control units
• Wear on the battery, wear on the e-bike

Theft module:

• Theft, burglary, looting, robbery, and robbery-like extortion

Territorial scope: worldwide.

• Starting price per the product page: from €3.88/month (per the product page, as of July 2026).
• Per the product page, the exact scope of cover (including theft, damage/accident, fall, and transport damage, vandalism) depends on the tariff chosen; the page does not name its own tariff tiers but confirms that theft cover and damage cover are selectable components (per the product page, as of July 2026).
• Amount of the sum insured: not quantified in the IPID; it follows from the insurance certificate. No allowance amount is stated (unlike for the bicycle insurance).
• Monthly or annual subscription with automatic renewal; alternatively a fixed contract term with no ordinary right of termination.

• CFRP (carbon) components, unless separately agreed
• Downhill rides, participation in sporting events, rides in bike parks, performing jumps (for the damage variants)
• Damage from rust or oxidation
• E-bikes subject to compulsory insurance (S-pedelecs) and motor vehicles of any kind in general – i.e., only pedelecs not subject to compulsory insurance can be insured
• Damage from commercial use
• Intentional acts; tampering with the drive system (e.g., tuning)

• Waiting period: 6 weeks, unless the e-bike was insured within 12 months of the purchase date of a new bike (with proof).
• Benefits may be reduced for theft if the e-bike was not secured to a fixed object in the customary manner, and for damage that does not impair usability or that already existed before the start of the contract.

• Monthly subscription: minimum term 3 months, notice period 3 business days. Annual subscription: same notice period, automatic annual renewal.
• Claims reporting via https://hepster.com/de-de/schaden or de@support.hepster.com; customer service +49 (0) 381 / 203 888 00.
• Benefits under the contract are provided in Germany.

• The product page displays a Trusted Shops quality seal ("tested and certified according to Trusted Shops quality criteria") as well as an SSL seal and a banking-check.de seal.
• Independent test seals (e.g., Stiftung Warentest) or star ratings are not mentioned on the product page.