Bicycle insurance (Hepster)

The policyholder's bicycle is insured (property damage). Cover includes, in both IPID variants:

• Destruction, damage
• Operating errors and improper handling
• Fire & explosion
• Storm, hail, flooding, avalanches, landslides
• Wear on the bicycle

Extended variant additionally:

• Theft, burglary
• Looting
• Robbery and robbery-like extortion

Territorial scope: worldwide.

• Starting price per the product page: from €2.42/month (per the product page, as of July 2026).
• Per the product page, the scope of cover (theft, burglary, robbery, accident, fall, and transport damage, vandalism, and where applicable material, manufacturing, and design defects and wear) depends on the tariff chosen ("depending on the tariff selected"); the product page does not give an exact name for the tariff tiers (e.g., as modules or as tariff levels) (per the product page, as of July 2026).
• Amount of the sum insured: not quantified in the IPID; it follows from the individual insurance certificate.
• In addition to the sum insured, an allowance of 15% applies.
• Payment method: monthly or annual subscription available; automatic renewal (month-to-month or year-to-year) for subscription models, otherwise 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
• Damage from rust or oxidation
• E-bikes subject to compulsory insurance, and motor vehicles of any kind in general
• Damage from commercial use
• Intentional acts
• Tampering with the drive system (e.g., tuning)
• (Extended variant) Reduced theft benefits if the bicycle was not secured to a fixed object in the customary manner

• Waiting period: 6 weeks, unless the bicycle was insured within 12 months of the purchase date of a new bike (with proof).
• No explicit deductible (percentage) is stated in the IPID; benefits may be reduced for damage that does not impair usability or for damage that already existed before the start of the contract.

• Monthly subscription: minimum term 3 months, notice period 3 business days before the end of the insurance period. Annual subscription: automatic renewal, same notice period.
• 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.