Our team scans the various insurance policies for electric bikes in Switzerland to find you the best price (table below). Do not hesitate to contact us for a personalized quote based on your situation.
Comparative table of electric bike insurance in Switzerland
In this table you will find a comparison of bicycle insurance for the municipality of Geneva (1201), the amounts may vary slightly depending on where you live.
Insurance includes civil liability, breakdown assistance, theft and comprehensive insurance options.
| Insurer | Place | Amounts insured | Franchise | Annual bonus |
|---|---|---|---|---|
| AXA | 1201 (Geneva) | 2000 | 200 | 104.40 |
| Generali | 1201 (Geneva) | 2000 | 200 | 115.90 |
| The Furniture | – | 2000 | 200 | 110.57 |
| Zurich | – | 2000 | 200 | 173.70 |
| TCS | – | 2000 | – | 69.00 |
It is difficult to estimate an annual amount for insurers like Allianz or Helvetia, because their “bicycle insurance” offer is integrated into their “household insurance” offer.
Do you need specific insurance or is your current household insurance suitable for your electric bike?
It's good to know that in many cases, your electric bike may already have protection within your standard household insurance. This includes home theft coverage.
However, the coverage is not always complete; if your bike is stolen from outside your home, additional coverage, such as “simple theft outside the home”, becomes necessary. We recommend that you check the details of your household insurance contract to avoid any unpleasant surprises. (find out more about burglary and household insurance)
Accidents, damage caused by you or a third party, or even the destruction of your bike, are not covered by default by household insurance; you will have to take out specific insurance with a “bicycle casco” or extend your household insurance with a “household casco”.
If your electric bike has pedaling assistance of up to 45 km/h, you must take out dedicated civil liability insurance. For now, it is mandatory according to Swiss legislation.
Types of electric bike insurance
- Civil liability insurance : This is basic insurance, covering material damage and bodily injury caused to third parties.
- Theft insurance : Essential given the often high value of electric bikes, it compensates the user in the event of theft.
- Casco insurance : It provides more extensive coverage including accidental damage to your electric bike, such as during collisions or falls.
- Breakdown insurance : Useful in the event of a breakdown or accident, it provides logistical support and sometimes temporary replacement of the bicycle.
Is it compulsory to insure your electric bike in Switzerland?
Insurance for electric bicycles is not compulsory in Switzerland, with the exception of electric bicycles considered fast (with pedal assistance up to 45 km/h), which must be insured with vehicle liability insurance similar to that of motorcycles.
For slow electric bikes (assistance up to 25 km/h), no specific insurance is legally required.
However, given the cost of these vehicles and the risks of theft or damage, taking out insurance could give you peace of mind. This especially applies to those who use their e-bike daily or those whose bike has a high value. Some insurers offer tailored packages covering not only civil liability, but also theft, accidental damage and assistance in the event of a breakdown.
Tips for securing your electric bike
With the increase in electric bike thefts in Switzerland, securing your bike is becoming essential. Here are some tips:
Always use high quality locks. U-locks, as in the image below, are particularly recommended for their robustness.
It is essential to secure the bike to an immovable object. Also consider securing detachable components, such as wheels and saddle, either by using special fixing systems or by taking them with you.
When you are not using it, store your bike in a secure place, such as a locked garage or a dedicated room. Avoid leaving it in places that are inconspicuous or easily accessible from the street.
Contact us
We hope that this guide has provided you with clear and useful answers regarding insuring your electric bike in Switzerland.
At Finwise Insurance, we understand that every cyclist has unique needs. We are here to help you choose the coverage that best meets your expectations.
Do not hesitate to call us directly at 022 552 00 53 for more information.
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