Bicycle AccidentInsurance
Protection for every ride. Comprehensive coverage for cyclists from commuters to enthusiasts - from €5/month.
Cycling Risk Statistics
Over 85,000 cycling accidents happen in Germany annually. Cyclists are among the most vulnerable road users. While helmet use reduces head injury risk by 60%, financial protection ensures you and your family are secure if an accident occurs.
Every Type of Cycling Protected
Coverage for all your cycling activities
Cycling Insurance Calculator
Compare accident insurance plans from top German insurers. Get personalized quotes for cyclists.
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Why Cyclists Need Protection
Starting from €5/month
Commuter Protection
Daily cycling to work covered. Whether rain or shine, your daily commute is protected.
Mountain Biking
Trail riding and mountain biking included. Casual off-road cycling covered as standard.
E-Bike Coverage
Standard e-bikes (25 km/h) covered like regular bicycles. Enjoy assisted cycling with full protection.
Injury Benefits
Comprehensive coverage for cycling injuries. Head injuries, fractures, and common cycling accidents covered.
Rehabilitation
Full rehabilitation support. Physiotherapy and recovery programs to get you back on your bike faster.
24/7 Coverage
Round-the-clock protection. Early morning rides, evening commutes, and weekend adventures all covered.
Frequently Asked Questions
Common questions about bicycle accident insurance
What is bicycle accident insurance?
Bicycle accident insurance provides financial protection when you're injured in a cycling accident. It covers accidental death, permanent disability, and injuries sustained while riding your bike - whether commuting to work, recreational cycling, or during cycling sports.
Why do cyclists need special accident insurance?
Cyclists face unique risks: statistics show cycling has higher accident rates than many activities. Regular accident insurance covers cycling, but specialized bicycle insurance may offer additional benefits like theft protection, roadside assistance, and coverage for cycling-specific injuries.
Does regular accident insurance cover cycling?
Yes, standard accident insurance covers cycling accidents as part of 24/7 worldwide coverage. You're protected whether cycling for commuting, fitness, or leisure. Competitive cycling or extreme mountain biking may require additional coverage verification.
What cycling activities are covered?
Standard policies cover: daily commuting, recreational cycling, road cycling, city biking, and casual mountain biking. Competitive racing, extreme downhill, and BMX may require premium upgrades. E-bike riding is typically included in standard coverage.
What benefits does cycling accident insurance provide?
Benefits include: death benefit for fatal accidents, permanent disability payments (based on injury severity), hospital daily allowance, medical expense coverage, rehabilitation costs, and often additional benefits like cosmetic surgery for facial injuries common in cycling accidents.
Is e-bike riding covered by accident insurance?
Yes, e-bikes (up to 25 km/h, 250W) are covered by standard accident insurance like regular bicycles. S-pedelecs (faster e-bikes) may be classified as mopeds and require different coverage - check your policy terms for specific e-bike classifications.
Ride with Confidence
Get comprehensive cyclist protection from €5/month. Compare plans now.