Take out bicycle insurance with TWINT

Incidents with bicycles can quickly become very expensive. Especially if your bike is top of the range or new. Bicycle insurance will cover any large costs that you may incur.

You don’t have to worry about this. The premiums will be automatically charged to your TWINT account every month after you have taken out the insurance.

You are insured everywhere in the world.

You, as the owner of your bicycle, are insured – regardless of who was using the bicycle when the damage was incurred.

Accessories and baggage are also insured up to a value of CHF 300 per object, regardless of whether they are connected to the bike or you carry them loose. In each individual claim, a maximum of CHF 1000 is covered with respect to accessories and luggage.

The minimum term is six month, after which time termination of the contract is subject to one month’s notice.

You can terminate your policy once the minimum term of six months has passed by simply tapping the “Terminate insurance policy” button in InsurHub within the TWINT app.

You can report a claim quickly and easily by sending the insurer the key information about the claim via the TWINT app. Here, you can also send attachments such as photos and reports. If you would like to talk to the insurer, you can call them conveniently via the app.

There is generally no waiting period, except for damage caused by wear and tear for which there is a waiting period of three months. Please note that claims that already existed upon the taking out of the insurance policy are not insured.

Yes, in the event of theft or damage, your deductible for the Comfort tariff is CHF 200 and for the All-round tariff CHF 100.

You can make an unlimited number of claims per year. There is only a maximum limit on the amount insured for each coverage module, depending on the declared purchase price.

A classic household insurance policy only covers the risks of any damages arising from fire, water, natural hazards and theft. Consequently, such policies do not provide insurance cover for any damage to bicycles or e-bikes within the household without supplementary cover having been taken out, except for any damage caused by one of the aforementioned risks. It must also be noted that incidents of theft are only insured if such an event takes place within the home, unless you have taken out the more expensive “simple theft away from home” supplementary cover. Your bicycle or e-bike will often depreciate in value rapidly within your household insurance policy. Under our insurance policies, the key factor for determining the amount of compensation you will receive is the age of your bicycle or e-bike at the point in time at which you took out the insurance policy. If, for example, you take out an insurance policy from us up to three years after you purchased your bicycle, you would receive the “as-new” price of the bike as the maximum sum over entire term of the insurance.