The right insurance protection for E-Bikes

The times, as E-Bikes, just something for the elderly, are over. E-Bikes are gaining more and more Fans. The reason for this is the permanent technical further development: E-Bikes are getting lighter and the mid-engine ensures a natural Cycling feel. The batteries of today are barely recognisable, so that one recognizes E-Bikes are often immediately as such. About the author

Peter Schnitzler (Born in 1979) is an expert on liability, Household contents and residential buildings insurance. The studied musician and economist, has been working since 2010 for the ERGO Group.

Also, the E-Bike usage is becoming more versatile. Commuters that have less than 25 kilometers to work, need a car: With the E-Bike you come to a traffic jam and stress-free, and hardly sweaty at. Parents with children in trailers do not need to work as hard due to the extra Kilos. Residents of hilly or mountainous areas are no longer get out of breath. Untrained with a E-Bike long distances, without having to torture yourself. And athletes make use of the E-Bike as a training device for steep and long tours. Becoming more and more popular also load wheels are equipped, many of whom are now also available with an electric motor.

in this Country there are three different types of E-Bikes:

The Pedelec : The abbreviation is derived from “Pedal Electric Cycle”, the drive concept. The E-Motor starts only when the driver steps on the pedals. From a speed of 25 km/h it switches off again. 95 percent of all purchased E-Bikes are Pedelecs. They are considered to be bicycles.

The S-Pedelec : The S stands for speed or fast. In the case of S-Pedelecs must also occur, the engine shuts off but only at 45km/h. Therefore, they do not apply more than bikes, but mopeds. This means that Mofaführerschein, helmet, plate, insurance.

The E-Bike : The “real” E-Bike is actually a Elektromofa, because it works without Contact. Depending on the maximum speed of E-Bikes are classified in different levels. Since you are one of the small power wheels are helmet, Mofaführerschein and plate, insurance is mandatory.

no Matter whether E-Bike, Pedelec or S-Pedelec: The purchase with prices ranging from 500 to 15000 euros is quite expensive. For this reason, it is most of the owners is also important, your E-Bike against theft.

For the insurance subject to S-Pedelecs and E-Bikes is true: insurance coverage, there are only about a car insurance. It also provides the plate, insurance is available which must be attached to the wheel.

Ordinary bicycles and Pedelecs, however, can be about household contents insurance. But be careful: In the household insurance bikes and Pedelecs are covered only if they are stolen during a burglary from the apartment, the concluded cellar or a locked Garage.

personal liability insurance is essential to secure

a theft outside of your own home insured, it must be extended in the home insurance around the block “bike theft”. The wheel is then covered everywhere against simple theft. Prerequisite the backup with a lock

is expanding With a bike insurance you can make this protection even more: Similar to a fully comprehensive insurance for a car the bike is then in addition also against accident and vandalism damage.

Generally speaking, liability insurance is for anyone who is traveling by Bicycle, a Private essential. Because according to the German civil code each for the damage he caused can be unlimited liable.

For the fast S-Pedelecs, and real E-bike is a motor Vehicle liability insurance requirement in order to get the insurance plate.

see also: consequences of the Corona crash for the money and Job – Germany’s biggest advice: “How should I put € 10,000 in the Corona-crisis?” Where is Coronavirus? Real-time map showing the spread of the disease, FOCUS Online/Wochit lung disease Covid-19: Where is Coronavirus? Real-time map showing the spread of the disease