Name: Bike Insurance
Brand: Feather
Rating: 4.85 (708 reviews)

Question 1

What compensation can I expect?

Accepted Answer

The loss is particularly annoying if your beloved bike was only three months old. This is when it has already lost the most value. The difference between the purchase price and the current value is highest in the first few months. That's why we have the so-called new value compensation.

In the event of a total loss or theft, we will pay you the replacement value of your bicycle. It is important that you buy a new bicycle of the same type and quality and submit proof of this to us.

Question 2

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

Accepted Answer

There are many reasons why bike insurance may be a good idea. The most important would be:
#### Worldwide 24/7 protection
The household contents insurance usually only insures your bike against burglary from your apartment, house or garage. With our bike insurance you protect your bike against theft and damage without a "night time clause" and local restrictions.
#### The full value
 In the event of theft, household insurance often only reimburses 1% of the total sum insured, so you do not receive the full compensation. With our bike insurance, on the other hand, you get a full value of a new bike - without any deductions or deductibles.
#### Simply more
The household contents insurance offers no repair cover and no compensation for wear and tear - we do.

Question 3

Which bikes are insured for whom?

Accepted Answer

It is important that your bike or e-bike is not older than 6 months when you take out the insurance and that the total purchase price including lock, luggage and accessories does not exceed €10,000. The insurance cover only applies to bicycles that you use privately and purchase from official retailers. The original invoice is sufficient as proof.

We are planning to launch a new product soon that will cover bikes up to 42 months old, you can leave your email below so we let you know when it is available.

Question 4

Which bikes cannot be insured?

Accepted Answer

Unfortunately, we cannot insure all bikes. This includes:

- Bikes with carbon frames (we are launching a new product for those soon), fully faired bikes, velomobiles and dirt bikes
- Do-it-yourself constructions and conversions (wheels, with converted parts, totalling more than 20% of the purchase price)
- Commercially used bikes
- Paid bikes (bikes from sharing providers)
- Bikes that were not purchased from an official dealer
- Bikes subject to registration and insurance
- Bikes bought by private individuals

Question 5

What are the security requirements?

Accepted Answer

To make sure that your bike is well protected against theft and that your insurance coverage is guaranteed, you should also make sure that your bike is connected to an immovable object with a lock (purchase price from €29). You should protect bikes from €1,000 purchase price with a lock from €49. Alternatively, you also have protection if your lock is ADFC or VdS certified.

These regulations also apply to communal cellars or to vehicle bike racks.

Question 6

What do I have to consider in the event of a claim?

Accepted Answer

In the **event of theft** or **damage**, you can inform us quickly and easily using **claims@feather-insurance.com**. We will then contact you and coordinate all further steps with you.

It is important that you contact us immediately and directly and report the damage in the event of theft - or an accident - to the police, giving a detailed list of the stolen or damaged items.

Question 7

What proof do I have to keep?

Accepted Answer

In the event of damage, invoices and receipts for the affected bike, lock, accessories are always required. Since we do not compensate the estimated current value, but the new value, we need the price and the date of purchase of the first purchase as proof. It is also important to have a copy of the police report in the event of theft or an accident.

If your bike is being repaired as a result of damage, you should also keep the repair cost invoice and send it to us.

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. If you do not have the frame number to hand, please make sure to give it to us soon after booking.

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 tariff with damage protection and your bike is not more than 3 years old, you enjoy our extensive protection against wear and tear. There is a special waiting period: You can only receive wear and tear benefits six months after signing your contract. After the replacement of tires or brakes, a new waiting period of six months begins for the replaced parts. This also helps us in your interests to offer permanently low premiums.