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Old 31.05.2007, 01:18
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Bicycle Insurance

Does basic bike insurance protects against stolen bike?
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Old 31.05.2007, 08:55
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Re: Bike Insurance

I'm not sure what you mean by "basic bike insurance", but most house/apartment contents insurance will cover you for a stolen bike. The bicycle vignette (which has been discussed on oher threads; 7 CHF for one year from the post office) gives you third-party liability insurance while cycling.
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Old 31.05.2007, 08:56
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Re: Bike Insurance

Migros will sell you a vignette for less - that only insures you for third-party damages.

As Chris mentions, your contents insurance should cover you for a bike but talk to your insurance chappie
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Old 31.05.2007, 11:27
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Re: Bike Insurance

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Migros will sell you a vignette for less - that only insures you for third-party damages.

As Chris mentions, your contents insurance should cover you for a bike but talk to your insurance chappie
do they cover for bike stolen outside of my apartment? i parked in somewhere near my workplace.
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Old 31.05.2007, 11:28
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Re: Bike Insurance

yes, assuming your insurance covers it.
of course there may well be a deductable.
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Old 31.05.2007, 11:29
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Re: Bike Insurance

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do they cover for bike stolen outside of my apartment? i parked in somewhere near my workplace.
Have you reported it to the police yet? Find out what you insurance policy says and then lie about where it was stolen from. Use some creativity.
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Old 31.05.2007, 11:35
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Re: Bike Insurance

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Have you reported it to the police yet? Find out what you insurance policy says and then lie about where it was stolen from. Use some creativity.
not yet... going to do so. my colleague is checking on the policy and see what to do now.

so, i have to report to police, then what should i tell the insurance company?

my household effect insurance is by Zuritel, and the bike cost is 1500 franc (less than a month)
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Old 31.05.2007, 11:40
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Re: Bike Insurance

If you have a 1500 franc bike and failed to consider insurance, you're mad.

Your house insurance will likely cover it - but I can promise nothing.

You certainly need a police report for it. And a very good lock for the replacement (and lock to something that can't be moved).
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Old 31.05.2007, 12:10
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Re: Bike Insurance

so, i do have my household insurance... i think i am not mad, right?

or should i get additional insurance to protect it?
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Old 31.05.2007, 13:26
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Re: Bike Insurance

I also have zuritel and have discussed this with them, I think from memory it is called "ausser" something "diebstahl". IE outside your house (includes train station or anywhere).

An ex-flatmate once claimed, and given a police report and orig receipt for the bike (they need something to value it of course) they will give you new value minus a deductible - unless you are really lucky.

Just give em a call :> I am sure you can get someone who speaks english, they can check what your policy covers etc - they won't bite !!

You can get additional insurance if your bike is worth alot - ask them what your policy covers
and you can also get insurance for crashing your bike with TCS.
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Last edited by Ashley; 31.05.2007 at 13:28. Reason: added TCS comment
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