More than 300,000 bicycles are stolen or stolen temporary authorization. The resulting damage is immense. The insurance companies pay annually about 100 million � for stolen bicycles. If you consider that only a small part of the bike is insured, it is clear that the estimated number of bicycle thefts is much higher. Anyone who owns a bike should think about his bike to insure a bike theft insurance. Especially with expensive wheels a bicycle theft insurance is advisable as a theft insurance does not otherwise provide replacement.
The bike theft insurance can be used as auxiliary power for most household insurance will be completed. The Hauratversicherung occurs when damage to household goods through robbery, burglary, vandalism, fire, storm, hail and tap water. For household furnishings, and of household goods of a household are counted. In addition to the mere cost of the damage to property and contents insurance assumes the costs for cleanup and hotel accommodation if the home or the home is temporarily uninhabitable by the damage became. Can be additionally included a protection against glass damage, damage caused by natural forces, against surge damage and against theft of bicycle.
When the bike theft insurance, you should know exactly what services they include. Many bike theft insurance policies cover only fully robberies that have occurred in the period between six and 22 clock, unless you had the bike at that time in use. Newer insurance policies often do not have this restriction more. It is therefore important if you have an existing bike theft insurance, to look at the conditions carefully, as necessary to complete a more recent contract.
Important in a bike theft insurance is that you know the part number of his bicycle. Knowing the frame number may be a condition for the performance of the bike theft insurance.
Most household insurance with enclosed bicycle theft insurance pay in case of theft, for example, but not vandalism. This means that if the bike is retrieved and this has been badly damaged, the bike theft insurance for the damage to the bike does not arise. This assumes the bike theft insurance the damage must also be demonstrated that the bicycle was properly secured by measures such as a bicycle lock. It is also important that you keep the bike purchase invoice and the invoices for items such as a bicycle lock or additional equipment to be able to demonstrate the value in the event of damage to the bicycle.
The insurance covers the contents insurance with enclosed bicycle theft usually an amount exceeding 5 percent of the sum insured. Who wants to take out a bike theft insurance, you should therefore compare the sum insured to the value of the bicycle and of course the premium amount. For very old and very inexpensive bikes, it may be that the premium is too high and the bike theft insurance is not so worthwhile. For new and high-priced wheels it is recommended in any case, if one has compared the conditions of insurance and the claims settled.
When the bike theft insurance after a claim has both the customer and the insurance company the option to terminate the existing contract extraordinarily.
There are very few insurance companies that offer a clean bike theft insurance with no insurance.
If you are not sure whether his household insurance to bicycle theft has been or who is considering extending the insurance coverage for his new bike make sure the conditions of his existing household insurance read carefully and can explain them if necessary by his insurance. Only way to ensure that you have for your bike, the bike theft insurance that you need.
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