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Lease a Bike Rundum-Schutz mit Mobilitätsgarantie All Inclusive: the policy wording in full
Rundum-Schutz in den Optionen All-inclusive mit Ersatz zum Anschaffungswert bei Diebstahl oder Totalschaden, drei Inspektionen zu je 115 Euro, unbegrenztem Verschleißbudget und Mobilitätsgarantie der ROLAND.
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Everything about this policy
What the policy covers: 63 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Lease a Bike Rundum-Schutz mit
Mobilitätsgarantie All Inclusive.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Policyholder (lessor, employer or master policy covering riders) | yes | „Versicherte Personen sind die Leasingnehmer der mit dem Versicherungsnehmer …“ | Mobilitätsgarantie § 2, page 1 |
| Insured riders (employee, household members, other riders) | yes | „Mitversicherte Personen sind die Nutzer eines in dieser Weise geleasten Dienstrads.“ | Mobilitätsgarantie § 2, page 1 |
| Sum insured per bike (purchase price per lease contract or invoice) | as stated in the policy schedule | ||
| Maximum value per bike (including accessories) | not addressed | ||
| Insured bike types (bicycle, pedelec up to 25 km/h, cargo bike) | yes | „Dienstrad ist jedes in Deutschland ausgelieferte Fahrrad, E-Bike und Pedelec …“ | Mobilitätsgarantie § 5, page 3 |
| S-pedelecs (up to 45 km/h) included | not addressed | ||
| Indemnity basis: new value, lease buyout value or current value | yes | „Im Falle eines Diebstahls oder Totalschadens erfolgt ein Ersatz zum ursprünglichen …“ | Übersicht, All-inclusive, page 1 |
| Payment to lessor (lease settled after total loss or theft) | not addressed | ||
| Territorial scope (home country, Europe, worldwide) | yes | „Versicherungsschutz besteht für Schadenfälle innerhalb des geografischen Europas, den …“ | Mobilitätsgarantie § 4, page 3 |
| Deductible per claim | none | „Keine Selbstbeteiligung & keine Bagatellschadengrenze“ | Übersicht, page 1 |
| Separate deductible for theft | none | „Keine Selbstbeteiligung & keine Bagatellschadengrenze“ | Übersicht, page 1 |
Theft
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Theft of the locked bike | yes, up to the sum insured | „Immer enthalten im Diebstahl- und Schadenschutz: Diebstahl- und Schadenschutz …“ | Übersicht, page 1 |
| Burglary from home, cellar or shared room | not addressed | ||
| Theft from or off a car (rack, interior) | not addressed | ||
| Night-time clause (theft at night only from locked room) | not addressed | ||
| Lock requirements (type, minimum value, locked to fixed object) | yes | „Das Rad muss nur abgeschlossen sein.“ | Übersicht, page 1 |
| Theft of fixed parts | not addressed | ||
| Battery theft | not addressed | ||
| Robbery and extortion | not addressed | ||
| Police report, deadline | yes | „wenn Ihnen auf einer Reise das Dienstrad gestohlen wurde und Sie diesen Diebstahl …“ | Mobilitätsgarantie § 3, page 2 |
| Waiting period before theft payout (recovery) | not addressed |
Damage to the bike
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Vandalism | yes, up to the sum insured | „Immer enthalten im Diebstahl- und Schadenschutz: Diebstahl- und Schadenschutz …“ | Übersicht, page 1 |
| Accident and fall damage | yes, up to the sum insured | „Immer enthalten im Diebstahl- und Schadenschutz: Diebstahl- und Schadenschutz …“ | Übersicht, page 1 |
| Operating error and clumsiness | yes, up to the sum insured | „Immer enthalten im Diebstahl- und Schadenschutz: Diebstahl- und Schadenschutz …“ | Übersicht, page 1 |
| Material, production and design defects after warranty | not addressed | ||
| Frame breakage | not addressed | ||
| Fire, lightning, explosion, storm, hail, flood | not addressed | ||
| Transport damage (car, train, flight) | not addressed | ||
| Total loss: when (repair above value) and what is paid | not addressed |
Electronics and battery
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Damage to motor, controller and display (overvoltage, short circuit) | not addressed | ||
| Moisture and water | not addressed | ||
| Battery damage (fall, short circuit, deep discharge) | not addressed | ||
| Battery wear (capacity below a threshold, percentage verbatim) | not addressed | ||
| Exclusion for tuning or tampering with the drive | yes | „wenn das Fahrzeug in einer vom Hersteller nicht genehmigten Weise verändert wurde“ | Mobilitätsgarantie § 6 b) gg), page 4 |
Wear and servicing
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Wear and tear covered (general) | yes, up to the sum insured | „Unbegrenztes Verschleißbudget“ | Übersicht, Verschleiß All-inclusive, page 1 |
| Wear parts (chain, brake pads, tyres, sprockets) | not addressed | ||
| Wear cover only from or up to a bike age | not addressed | ||
| Annual inspection included (lease service or insurance) | yes, up to EUR 115 | „3 Inspektionen Budget € 115 brutto pro Inspektion“ | Übersicht, Inspektion All-inclusive, page 1 |
| Inspection required as condition for cover | not addressed | ||
| Choice of workshop (any workshop or lease dealer) | not addressed |
Accessories
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fixed accessories | not addressed | ||
| Loose accessories (lock, bags, helmet, navigation) | not addressed | ||
| Child seat and trailer | not addressed |
Mobility guarantee
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Roadside assistance | yes, up to the sum insured | „sorgen wir für den Einsatz dieser mobilen Pannenhilfe am Leistungsort und übernehmen …“ | Mobilitätsgarantie 3.1.2, page 1 |
| Minimum distance or area of assistance | yes | „Ab einer Entfernung von 10 km von Ihrem ständigen Wohnsitz erbringen wir zusätzlich zu …“ | Mobilitätsgarantie 3.2, page 2 |
| Towing or transport to workshop | yes, up to EUR 150 | „entstehenden Kosten bis zu 150 € brutto.“ | Mobilitätsgarantie 3.2.2, page 2 |
| Onward or return travel (taxi, train, rental car) | yes, up to EUR 500 | „Wir übernehmen hierbei entstehende Kosten bis zur Höhe von 500 € brutto“ | Mobilitätsgarantie 3.2.4, page 2 |
| Replacement bike during repair | yes, up to the sum insured | „Wir zahlen dabei für längstens 7 (sieben) Tage maximal 50 € brutto je Tag.“ | Mobilitätsgarantie 3.2.5, page 2 |
| Number of call-outs per year | not addressed |
Use and exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Private use besides commuting included | not addressed | ||
| Business trips and commercial use (courier, delivery) | no | „wenn Sie bei Eintritt des Schadens das Dienstrad zur gewerbsmäßigen Vermietung …“ | Mobilitätsgarantie § 6 b) cc), page 4 |
| Taking the bike abroad, maximum duration | not addressed | ||
| Races and competitions excluded | yes | „wenn Sie mit dem Dienstrad bei Schadeneintritt an einem Radrennen, einer dazugehörigen …“ | Mobilitätsgarantie § 6 b) bb), page 4 |
| Lending to third parties permitted | yes | „Personen, denen der Arbeitnehmer das Dienstrad berechtigterweise zur Nutzung überlassen …“ | Mobilitätsgarantie § 2, page 1 |
| Gross negligence covered (no reduction) | no | „von Ihnen vorsätzlich oder grob fahrlässig verursacht wurde“ | Mobilitätsgarantie § 6 a) bb), page 4 |
| Exclusion for intent and embezzlement by the rider | not addressed |
Contract and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Start of cover (handover of the bike) | yes | „Der Versicherungsschutz beginnt mit der erstmaligen Übergabe des von der Bike Mobility …“ | Mobilitätsgarantie § 9, page 5 |
| Term tied to the lease (usually 36 months) | yes | „Der Versicherungsschutz gilt für die Dauer der Gültigkeit des Leasingvertrags.“ | Mobilitätsgarantie § 8, page 5 |
| What applies on end of employment, parental leave or illness | not addressed | ||
| Cover after lease end (buyout by the rider) | not addressed | ||
| Obligations after a claim (notice period, estimate, photos) | yes | „uns den Schaden unverzüglich anzuzeigen“ | Mobilitätsgarantie § 7, page 4 |
| Frame number and receipt as proof | not addressed | ||
| Limit on number of claims per year | not addressed |
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.
Policy wordings and provider
- Legal entity
- Bike Mobility Services GmbH (Lease a Bike), Risikoträger am Text prüfen (Schutzbrief laut Suche über ROLAND)
- Distribution
- direct from the insurer only
- Allgemeine Versicherungsbedingungen Lease a Bike Mobilitätsgarantie Edition: Stand 12/2022 Original from the insurer (PDF, German)
- Übersicht Rundum-Schutz für Neukunden Edition: Stand 04.03.2025 laut Liste Original from the insurer (PDF, German)
- Übersicht Rundum-Schutz für Nutzer Edition: ohne Datum Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for Lease a Bike Rundum-Schutz mit Mobilitätsgarantie All
Inclusive and available as plain text.
Volltext Lease a Bike Rundum-Schutz mit Mobilitätsgarantie All Inclusive Dienstradversicherung · As text (Markdown) Lease a Bike Rundum-Schutz mit Mobilitätsgarantie All Inclusive Company bike