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Bicycle and e-bike insurance in Germany in Germany: every tariff, every wording
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| Provider and tariff | New-for-old period | Simple theft | Night clause | Wear and tear | Battery capacity | Roadside help |
|---|---|---|---|---|---|---|
| Adam RieseBesserTake out | yesA 9.5.1, page 7 | yes, up to the sum insuredA 5.2, page 2 | noneA 3, page 2 | yes, up to the sum insuredA 6.3.1, page 4 | yesA 6.3.1, page 4 | yes, up to the sum insuredA 7.5.2, page 5 |
| Adam RieseRiesigTake out | yesA 9.5.1, page 7 | yes, up to the sum insuredA 5.2, page 3 | noneA 3, page 3 | yes, up to the sum insuredA 6.3.1, page 4 | yesA 6.3.1, page 4 | yes, up to the sum insuredA 7.5.2, page 5 |
| Adam RieseXLTake out | yesA 9.6, page 6 | yes, up to the sum insuredA 5.2, page 2 | noneA 3, page 2 | noA 6.12, page 3 | noA 6.12, page 3 | yes, up to the sum insuredA 7.5.2, page 4 |
| Adam RieseXXLTake out | yesA 9.6, page 7 | yes, up to the sum insuredA 5.2, page 3 | noneA 3, page 2 | yes, up to the sum insuredA 6.3.1, page 3 | yesA 6.3.1, page 3 | yes, up to the sum insuredA 7.5.2, page 5 |
| AlteosE-Bike- und BasisTake out | yes2.3 (e), page 7 | yes, up to the sum insured3.2 (c), page 8 | not addressed | not addressed | not addressed | yes, up to the sum insured4.4 (b), page 14 |
| AlteosE-Bike- und KomfortTake out | yes2.3 (e), page 8 | yes, up to the sum insured3.2 (c), page 10 | not addressed | yes, up to EUR 1502.4 (c) (ii), page 9 | no2.4 (b) (iv), page 9 | yes, up to the sum insured4.4 (b), page 15 |
| AlteosE-Bike- und PremiumTake out | yes2.3 (g), page 8 | yes, up to the sum insured3.2 (c), page 10 | not addressed | yes, up to the sum insured2.4 (d) (i), page 9 | yes2.4 (b), page 9 | yes, up to the sum insured4.4 (b), page 15 |
| ARAGSchutz FahrradTake out | yesTeil D 1, page 66 | yes, up to the sum insuredTeil D 4.3, page 66 | yesTeil D 4.5.2, page 67 | noTeil D 5.3.2 e, page 42 | noTeil D 5.3.2 e, page 42 | yes, up to the sum insuredTeil D 6.3.1.2, page 70 |
| BarmeniaGothaerBarmenia Fahrrad- undTake out | yesA 8.1, page 6 | yes, up to the sum insuredA 4.1.2, page 2 | noneA 3, page 2 | yes, up to the sum insuredA 5.1 p, page 3 | yesA 5.1 o, page 3 | yes, up to the sum insuredA 6.3.2, page 4 |
| helden.deE-Bike- und FahrradschutzTake out | yesA5-2, page 6 | yesA4-2, page 5 | noneA1-2, page 5 | yesA6-3.1, page 9 | yesA6-3.4, page 9 | yesB4-2, page 17 |
| JanitosFahrrad- undTake out | yes5.1, page 8 | yes2.1.1 a), page 6 | none | yes2.2.1 f), page 7 | yes2.2.1 e), page 7 | yes2.3.2 a), page 7 |
| NeodigitalRAD NEO mobil LTake out | yesA 4.1, page 6 | yesA 2.1.1, page 5 | none | yesA 2.2-06NEO.2, page 8 | yesA 2.2-06NEO.2, page 8 | yesA 10.5.1.2, page 10 |
| NeodigitalRAD NEO mobil MTake out | yesA 4.1, page 5 | yesA 2.1.1, page 4 | none | yesA 2.2-06NEO.1, page 7 | yesA 2.2-06NEO.1, page 7 | not addressed |
| NVFahrradkaskoPremiumTake out | yesA1 5.2, page 4 | yesA1 4.2, page 4 | noneA1 1.1, page 4 | yes, excess EUR 50A1 6.3.1, page 7 | yes, excess EUR 50A1 6.3.3, page 7 | yesC1 4.2, page 25 |
| WertgarantieLinexoTake out | yesVersicherte Kosten, page 1 | yesVoraussetzungen bei Diebstahlleistung, page 1 | not addressed | yesKomplettschutz Bike, page 1 | yesSeparat abschließbarer Akkuschutz, page 1 | yesVersicherte Kosten, page 1 |
| WertgarantieKomplettschutz BikeTake out | yes§ 3 (3), (4), page 1 | yes§ 2 (2), page 1 | none | yes§ 2 (1) a), page 1 | yes§ 2 (5), page 1 | yes§ 3 (7), page 1 |
Evaluated by NAMMERT from published policy wordings. Despite care, a value may be misread; legally only the wording of your own contract in the edition stated there applies. Please report errors, we correct them the same day.
About this archive, data downloads
This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 69 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.
German market: tariffs for people living in Germany.
Why we publish this
We are not a comparison site. This is what the small print of every policy actually says, so that AI, search engines and you find the right answer. Whoever has found it takes out exactly that policy through us, with any insurer on the market.
Still in progress
These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.
- agencio
- Ammerländer
- assona
- die Bayerische
- ENRA
- Getsafe
- hepster
For software and AI
The same dataset as a file, free to use under CC BY 4.0 with attribution. Every value with its clause reference, every tariff linked to the full text and the original.
Updated