Bicycle Theft: Comprehensive. Digital. Secure.

Reliably protect your bicycle against theft – with nextsure's bicycle theft insurance. Comprehensive cover, concluded digitally and hassle-free.

24/7 Online Completion
Protection for Bicycle & E-Bike
Fair & Transparent Rates

Calculate your rate now See all offers

No extra cost
Verified partners
100% digital

Bicycle Theft: Comprehensive. Digital. Secure.

Conclude directly online

Verified partner tariffs at no extra cost. The button takes you straight to the provider's calculator.

Hepster

Bicycle insurance

Worldwide cover for your bicycle against damage and wear, with theft also covered in the extended variant.

Coverage area:: worldwide
Waiting period:: 6 weeks (waived for bikes up to 12 months old from purchase)
Minimum term:: 3 months (monthly subscription)

Destruction and damage, including through operating errors
Fire, explosion, storm, hail, flooding, avalanches, landslides
Wear and tear on the bicycle is covered
Extended variant: theft, burglary, robbery, and looting
A 15% contingency allowance on top of the sum insured

Key exclusions

Carbon components (CFRP) without a separate agreement
Downhill riding, bike parks, sporting events, and jumps
E-bikes and motor vehicles subject to mandatory insurance
Commercial use

Trusted Shops: 4,5/5 „Sehr gut“ (2.600 Bewertungen)
hepster insgesamt (Anbieterbewertung, alle Versicherungen)

Calculate rate at Hepster

Benefits may be reduced for theft if the bike was not locked to a fixed object as customary; notice period 3 business days before the end of the billing period. Insurer: andsafe Aktiengesellschaft

Fact sheet: benefits, exclusions and waiting periods in detail

All details are taken from the provider's linked product page and the contract documents (IPID/policy conditions) published there; the insurer's documents prevail. Premiums, benefits and the insurance product itself may change – please verify the details directly with the partner before signing up; only the information provided there is binding.

Why bicycle theft insurance is indispensable

High Theft Numbers
Financial Security
Protection for Valuable Bicycles
Worry-free Mobility

Scope of services in detail: What does our bicycle insurance cover?

The theft of a bicycle is not only annoying but is often associated with significant financial losses, especially with high-quality bicycles and e-bikes. A specialised bicycle theft insurance from nextsure offers you comprehensive protection that can exceed the benefits of a standard household insurance policy. Our insurance generally covers the loss of your bicycle due to theft. This applies both to the theft of the entire bicycle and to parts that are firmly attached to the bicycle, such as the saddle, wheels, or battery in the case of e-bikes. An important aspect is the insurance coverage around the clock, and often also worldwide. Many policies additionally include protection against robbery and vandalism following a burglary theft. nextsure values transparent conditions: our policies clearly define which security precautions (e.g., type of bicycle lock) need to be taken. Additionally, accessories can also be insured up to a certain amount.^[1]

Your bike optimally protected

Theft protection

Worldwide protection against theft of your bicycle.

New Value Insurance

Replacement at new value for equivalent substitute.

OnlineService

Contract management and claims reporting online.

Fair Tariffs

Transparent contributions, flexible tariff options.

Discover the building blocks of our bicycle theft insurance for worry-free mobility.

Costs and tariff options: Find the right protection for your budget

The cost of bicycle theft insurance depends on various factors, primarily the new value of your bicycle or e-bike and your place of residence. Additionally, selected additional services, such as protection against theft of parts or vandalism, as well as the amount of any potential excess, influence the premium. At nextsure, you can often choose between different tariff models that vary in coverage and price. Our digital tariff calculator helps you quickly get an overview of the possible costs for your individual bicycle theft insurance. When selecting a tariff, pay attention not only to the price but also to the included services and conditions to ensure that your bicycle is optimally and appropriately insured.^[1]

Insurance claim: How to act correctly if your bicycle has been stolen

If your bicycle has been stolen, quick and correct action is crucial. Immediately report the theft to the police and note the case number. Then, promptly report the theft to your insurance company – with nextsure, you can conveniently do this online. For this, have the police report confirmation, your bicycle's purchase receipt, details of the frame number, and ideally photos of your bicycle ready. Information about the lock used can also be relevant. The more complete your information is, the faster nextsure can process the claim and provide the corresponding service.

Prevention: Effective Tips to Protect Your Bicycle from Theft

The best insurance is preventing theft. Invest in a high-quality bike lock (such as a D-lock, chain lock, or folding lock) and always secure your bike to a fixed object, ideally the frame and one wheel. Avoid poorly visible parking spots, especially at night. Bicycle coding or registration can deter thieves and make identification easier. Note down the frame number and keep the purchase receipt safe. For expensive bikes, a GPS tracker can be useful. These measures, combined with a nextsure insurance policy, minimize your risk.

Bicycle Theft Insurance vs. Home Contents Insurance: The Important Differences

Your household contents insurance often covers bicycle theft only from locked premises (burglary) or through a bicycle clause with limitations (sum, night-time clause). A specialised bicycle theft insurance from nextsure offers more comprehensive protection: generally around the clock, including outdoors, and often with replacement value compensation. Theft of parts or vandalism is more frequently covered than in household contents insurance. Carefully review your household policy and compare the benefits to ensure optimal protection for your valuable bicycle.

Special Case E-Bike: What You Need to Consider When Insuring Your Electric Bicycle

E-bikes require special insurance coverage due to their higher value and specific components such as the battery. A good e-bike insurance from nextsure covers battery theft (even separately) and often also battery damage. The insurance value should correspond to the new value of the e-bike including the battery. Damage to the motor and electronics can also be insured. For S-pedelecs (mopeds), special insurance or comprehensive cover in addition to third-party liability insurance is required. Pay attention to specific safety requirements and performance limits for components.

Complete Online: The Benefits of Digital Bicycle Theft Insurance with nextsure

nextsure offers you a fast, straightforward, and transparent online completion of your bicycle theft insurance as a digital insurance portal. Compare tariffs conveniently from home, complete without any paperwork, and manage your contract digitally in the customer portal. Reporting claims online is also possible. This efficiency ensures attractive premiums. Despite digitalisation, expert advice is available if needed via chat, email, or phone. Secure your bicycle with just a few clicks at nextsure.

More than just protection: The additional benefits and service from nextsure

At nextsure, you receive more than just financial compensation. Depending on the plan, you benefit from additional services such as protection against theft of parts (battery, saddle, wheels) or optional coverage for vandalism and accidental damage. Our service promise includes quick, straightforward claims processing through digitised processes and competent support from our customer service. We focus on transparent, understandable insurance conditions and continuously develop our products as a specialist in niche insurance to provide you with optimal protection.

Which bicycles can I insure with nextsure?

The bicycle insurance market is constantly evolving, driven by new technologies and mobility concepts. E-bike insurance with protection for batteries and electronics is gaining importance. Digitalisation simplifies processes from signing up to reporting claims. In the future, telematics tariffs that consider usage behaviour or smart security systems could provide more personalised protection. Modular products for flexible adjustment and the protection of bicycle accessories are becoming more important. As an Insurtech, nextsure shapes these trends to offer you future-proof solutions.

Frequently Asked Questions

At nextsure, you can insure a wide range of bicycles, including classic bicycles (city bikes, trekking bikes, mountain bikes, racing bikes), pedelecs (e-bikes with up to 25 km/h pedal assistance) as well as often bicycle trailers and carbon bikes. Special rates or conditions may apply for S-pedelecs (up to 45 km/h) and cargo bikes. Simply enter the type and new value of your bicycle during the quote calculation to see the suitable options.

Sources

[1]Hepster – Fahrradversicherung: Produkt- und Tarifinformationen(Risikoträger: andsafe Aktiengesellschaft)

Matching additions

We help you with any insurance

Calculate your rate now

Information last updated: July 2026 · Source: provider product information (IPID/policy conditions)