In Austria, thousands of bicycles are stolen every year - over 7,500 in Vienna alone. The detection rate is only 9%. Bicycle insurance protects you from financial loss in case of theft or damage.
Bicycle Theft in Austria
Covered Risks
Theft
Complete bicycle stolen
Partial Theft
Individual parts stolen
Robbery
Forcible taking
Vandalism
Deliberate damage
Fire/Explosion
Fire and explosion damage
Abroad Coverage
Europe-wide coverage possible
Important Benefits
New Value Compensation
Replacement at current purchase price
Accessories Included
Fixed accessories insured
Protected Everywhere
At home and on the go
E-Bike Option
Special rates for e-bikes
Price Factors
| Factor | Effect |
|---|---|
| Bicycle Value | More expensive bike = higher premium |
| Postal Code | Safe area = cheaper |
| Lock Quality | Good lock = possible discount |
| Contract Length | Longer term = discount |
| Deductible | Higher = lower premium |
Important Tips
Use a good lock
Many insurers require minimum quality
Keep purchase receipt
Important for claims
Register your bike
Helps with recovery
Check e-bike separately
Note special rates
⚡ E-Bike Insurance
There are special rates for e-bikes as they are usually more valuable. E-bike insurance often also covers battery damage and electronic defects.
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Frequently Asked Questions About Bicycle Insurance
Do I need bicycle insurance if I have household insurance?
Household insurance often only covers burglary theft, meaning when the bicycle is stolen from locked rooms. For theft on the street, you usually need separate bicycle insurance.
What type of lock is required for bicycle insurance?
Most insurers require a high-quality lock with a minimum price (often from €30-50). U-locks and chain locks are usually accepted. Cable locks alone are often not sufficient.
Is my e-bike automatically insured?
No, e-bikes often require a special rate because they are more expensive. Many insurers offer separate e-bike policies that also cover battery damage and electronic defects.
How much does bicycle insurance cost in Austria?
The cost depends on the bicycle value and location. For a bicycle worth €1,000, expect about €50-100 per year. E-bikes are correspondingly more expensive.
Does bicycle insurance also apply abroad?
Yes, most bicycle insurances offer Europe-wide coverage. For travel outside Europe, you should check the conditions or request additional coverage.
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Compare at durchblicker.atPrices depend on bicycle value, location and chosen coverage. As of: December 2025.