Question 1

How do claims work?

Accepted Answer

In the event of theft or damage to your bike, you will need to purchase a replacement bike or have the bike repaired, then file a claim for reimbursement. Claims take an average of 3-6 weeks to process, depending on the type of claim and time of year. After that the reimbursement amount will be directly transferred to your bank account.

Question 2

What compensation can I expect?

Accepted Answer

The amount you are reimbursed is based on the price of the replacement bike or repairs within the limit of the total insured sum. You decide your total insured sum when purchasing the policy.

Question 3

Why would I need bike insurance if I already have household contents insurance?

Accepted Answer

Worldwide 24/7 protection
Household contents insurance only insures your bike against burglary from an apartment, house, or garage without a bike coverage added on. With bike insurance, you can protect your bike against theft and damage outside of your apartment as well.

The full value
In the event of theft, household insurance reimburses 1% of the total insured sum for the Extended coverage, and up to €3000 on the Comprehensive plan.
With our bike insurance, on the other hand, you get the total value of the replacement bike. Both the Basic and Comfort bike policies have a total reimbursable sum of up to €10.000 that you are able to choose. It should have the exact cost, type, and quality as the original - without any deductions or deductibles.

Simply more
The household contents insurance only protects you against theft, but our Comfort bike policy also insures you for damages from theft, accidents, vandalism, and even routine repairs due to general wear and tear.

Question 4

Which bikes can be insured?

Accepted Answer

Bicycles or e-bikes newly purchased no more than 6 months from when the insurance policy has started. Coverage only applies to bikes that are used privately and purchased from an official dealer.

Question 5

Which bikes cannot be insured?

Accepted Answer

Carbon frame bikes (carbon elements only, like fork, are accepted), fully covered bikes, velomobiles, and dirt bikes.

Question 6

What proof do I keep?

Accepted Answer

Once you've purchased your policy, it's important to provide certain information. The bike's frame number needs to be on file, and you also need to upload copies of the invoice and receipt from the bike's purchase. Other documents, such as the receipts for the lock or other added accessories, are recommended but not required.

Question 7

Which locks fulfill the security requirements?

Accepted Answer

There are a few requirements that need to be followed to ensure a bike is well protected against theft and that insurance coverage is guaranteed:
👉 Bikes must be connected to an immovable object with a lock (these regulations also apply to communal cellars or vehicle bike racks).
👉 The cost of the lock is dependent on the original cost of the bike:
- Bikes under €1,000 purchase price require locks from €29.
- Bikes from €1,000 purchase price require locks from €49.
- Alternatively, protection is also guaranteed if the lock is ADFC or VdS certified.
👉 The bike lock must be purchased and owned by the policyholder.
👉 The lock must not be older than two years when the insurance is taken out.

Question 8

Why is the frame number or coding required?

Accepted Answer

When you take out insurance, you will be asked to provide your frame number. This is the only way to identify your bike or e-bike and guarantee insurance cover. Without a frame number, you cannot submit a claim.
If your insured bike does not have a frame number, you are obliged to have your bike coded immediately by an official specialist dealer, the Allgemeine Deutscher Fahrrad-Club eV (ADFC) or the police.

Question 9

When does my insurance cover for wear damage apply?

Accepted Answer

If you take out a comfort policy and your bike is not more than 3 years old, you enjoy our extensive protection against wear and tear. However, there is a waiting period. You can only receive wear and tear benefits six months after your contract starts. After the replacement of tires or brakes, a new waiting period of six months begins for the replaced parts.

Question 10

What is the cancellation policy?

Accepted Answer

There is no minimum contract period to sign up for our bike insurance. You can simply cancel the policy at any time through your Feather account. If you are canceling because you no longer own the bike (due to selling, gifting, or returning it), you may also be entitled to a refund of premiums if you are able to supply proof that you no longer possess it.

Our plans	Basic	Comfort
Theft The policy covers loss of your bike/e-bike through theft, robbery, and burglary.	✅	✅
Parts theft The theft of parts essential to its function is covered. Additional accessories (E,g. lock) are also covered if stolen along with the rest of the bike.	✅	✅
Vandalism The insurance covers damage and destruction by unknown third parties.	×	✅
Damage Costs of repairs resulting from accidents, falls, production errors, electronic damage and some others will be reimbursed.	×	✅
Wear Damage due to wear and tear on the bike is insured, including brakes and tires. Even rechargeable batteries, if the performance capacity is permanently undercut by 50%.	×	✅
Battery protection When you insure an e-bike, the battery is insured against theft, in addition to damage, electronic damage and wear and tear in the premium cover.	Only theft	✅

Our plans	Basic	Comfort
Theft The policy covers loss of your bike/e-bike through theft, robbery, and burglary.	✅	✅
Parts theft The theft of parts essential to its function is covered. Additional accessories (E,g. lock) are also covered if stolen along with the rest of the bike.	✅	✅
Vandalism The insurance covers damage and destruction by unknown third parties.	×	✅
Damage Costs of repairs resulting from accidents, falls, production errors, electronic damage and some others will be reimbursed.	×	✅
Wear Damage due to wear and tear on the bike is insured, including brakes and tires. Even rechargeable batteries, if the performance capacity is permanently undercut by 50%.	×	✅
Battery protection When you insure an e-bike, the battery is insured against theft, in addition to damage, electronic damage and wear and tear in the premium cover.	Only theft	✅

Get a recommendation based on your lifestyle

Bike insurance starting at €2.90 per month

600,000 bikes are stolen each year in Germany

Can my bike be covered?

Let’s cover your shiny new bike

What are the basic conditions?

How do claims work?

What compensation can I expect?

Why would I need bike insurance if I already have household contents insurance?

Which bikes can be insured?

Which bikes cannot be insured?

What proof do I keep?

Which locks fulfill the security requirements?

Why is the frame number or coding required?

When does my insurance cover for wear damage apply?

What is the cancellation policy?

Expat health

Personal liability

Life

Legal

Let’s cover your shiny new bike

Expat health

Personal liability

Life

Legal

Bike insurance starting at €2.90 per month

600,000 bikes are stolen each year in Germany

Can my bike be covered?

What are the basic conditions?

How do claims work?

What compensation can I expect?

Why would I need bike insurance if I already have household contents insurance?

Which bikes can be insured?

Which bikes cannot be insured?

What proof do I keep?

Which locks fulfill the security requirements?

Why is the frame number or coding required?

When does my insurance cover for wear damage apply?

What is the cancellation policy?