Go Back   English Forum Switzerland > Help & tips > Transportation/driving  
Reply
 
Thread Tools Display Modes
  #1  
Old 25.04.2018, 14:06
Newbie 1st class
 
Join Date: Sep 2012
Location: swiss outback
Posts: 23
Groaned at 19 Times in 7 Posts
Thanked 6 Times in 3 Posts
ogurci is considered unworthyogurci is considered unworthyogurci is considered unworthy
Insurance for bicycle (specifically)

Could someone please recommend a Swiss insurance provider which offers insurance for bikes? I phoned a couple of them but they offer it only as an add-on to contents/private liability package, not separately.
Thnx!
Reply With Quote
  #2  
Old 25.04.2018, 14:16
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 34,196
Groaned at 3,028 Times in 2,095 Posts
Thanked 41,630 Times in 19,709 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Insurance for bicycle (specifically)

What sort of insurance?

What sort of bikes?

Tom
Reply With Quote
  #3  
Old 25.04.2018, 14:17
Newbie 1st class
 
Join Date: Sep 2012
Location: swiss outback
Posts: 23
Groaned at 19 Times in 7 Posts
Thanked 6 Times in 3 Posts
ogurci is considered unworthyogurci is considered unworthyogurci is considered unworthy
Re: Insurance for bicycle (specifically)

Road bike, carbon frame.
Insurance against theft
Reply With Quote
  #4  
Old 25.04.2018, 14:27
Newbie 1st class
 
Join Date: Sep 2012
Location: swiss outback
Posts: 23
Groaned at 19 Times in 7 Posts
Thanked 6 Times in 3 Posts
ogurci is considered unworthyogurci is considered unworthyogurci is considered unworthy
Re: Insurance for bicycle (specifically)

Quote:
View Post
Road bike, carbon frame.
Insurance against theft
i. e. not a motorcycle, just a sports bicycle
Reply With Quote
  #5  
Old 25.04.2018, 15:11
John_H
 
Posts: n/a
Re: Insurance for bicycle (specifically)

TCS will give you a whole range of bicycle insurance.. I received a flyer in the mail from them yesterday.

I think they had 4 offerings for bicycle, like theft, damage, third party and breakdown.. Yeah they'll come fix your puncture.
Reply With Quote
  #6  
Old 25.04.2018, 15:20
curley's Avatar
Forum Legend
 
Join Date: Oct 2006
Location: canton ZH
Posts: 13,109
Groaned at 218 Times in 182 Posts
Thanked 15,264 Times in 7,847 Posts
curley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond repute
Re: Insurance for bicycle (specifically)

Quote:
View Post
TCS will give you a whole range of bicycle insurance.. I received a flyer in the mail from them yesterday.

I think they had 4 offerings for bicycle, like theft, damage, third party and breakdown.. Yeah they'll come fix your puncture.
They do?

What if I have TCS for the car. Will they do that when I'm on my bicycle?
Reply With Quote
  #7  
Old 25.04.2018, 15:22
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 14,001
Groaned at 111 Times in 99 Posts
Thanked 21,898 Times in 9,607 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Insurance for bicycle (specifically)



https://www.zurich.ch/de/privat/fahr...velo-und-ebike

https://www.verkehrsclub.ch/versiche...o/zurich-bike/
(Underwriter is Zurich)

https://www.baloisedirect.ch/versich...adversicherung

But be aware that this does not cover accidents which cause 3rd party damages! Those can be very costly and may ruin you (Personal banruptcy does not exists in Switzerland!).

If you do not have a standard private liabilty insurance which covers such a risk you can get a separate from VCS which as a cover of up to CHF 1M for less than CHF 10. They also have liabilty plus theft up to CHF 1000 and some other extras:
http://www.vcs-blbs.ch/vcs/oeffentli...o-haftpflicht/
This might also be a good idea in case a foreign visitor has no privat liability coverage.

EDIT: The VCS offer for bike liabilty insurance is unfortunatly at the moment no longer available.
__________________
All my posts are are under CC BY-SA 4.0 DEED Attribution-ShareAlike 4.0 International
Reply With Quote
  #8  
Old 25.04.2018, 15:34
John_H
 
Posts: n/a
Re: Insurance for bicycle (specifically)

Quote:
View Post
They do?

What if I have TCS for the car. Will they do that when I'm on my bicycle?
I didn't fully investigate the T&Cs .. since i don't need it.. but have a read

https://www.tcs.ch/fr/produits-du-tc...rdion-Exemples
Reply With Quote
  #9  
Old 25.04.2018, 15:47
curley's Avatar
Forum Legend
 
Join Date: Oct 2006
Location: canton ZH
Posts: 13,109
Groaned at 218 Times in 182 Posts
Thanked 15,264 Times in 7,847 Posts
curley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond repute
Re: Insurance for bicycle (specifically)

Quote:
View Post
I didn't fully investigate the T&Cs .. since i don't need it.. but have a read

https://www.tcs.ch/fr/produits-du-tc...rdion-Exemples
Thanks.

Result in short: A basic TCS-membership is a must. Then you can get - additionally - a TCS Bike Assistance.
If daddy has a basic-membership, mummy and the 10 kids can get the bike-version ...... one each, I suspect, that's not mentioned (at first glance).
Reply With Quote
  #10  
Old 25.04.2018, 17:49
Forum Veteran
 
Join Date: Jun 2014
Location: Zürich
Posts: 966
Groaned at 18 Times in 16 Posts
Thanked 832 Times in 446 Posts
gipfelisturmer has a reputation beyond reputegipfelisturmer has a reputation beyond reputegipfelisturmer has a reputation beyond reputegipfelisturmer has a reputation beyond repute
Re: Insurance for bicycle (specifically)

Quote:
View Post
Could someone please recommend a Swiss insurance provider which offers insurance for bikes? I phoned a couple of them but they offer it only as an add-on to contents/private liability package, not separately.
Thnx!
Any.
It is included in my household insurance, under sports equipment (same as for electronics).
I am with AXA.
Reply With Quote
  #11  
Old 13.03.2023, 22:40
Junior Member
 
Join Date: Jan 2022
Location: Vaud
Posts: 52
Groaned at 12 Times in 6 Posts
Thanked 8 Times in 7 Posts
GarlicPasta has become a little unpopularGarlicPasta has become a little unpopular
Re: Insurance for bicycle (specifically)

I am looking to insure my city bike that I paid 600 chf for about 8 years ago.

I have read some people recommend TCS but I don't agree. They seem to prorate the payout based on the age of your bicycle. For an 8 year old bike like mine I guess they would only reimburse 30 percent of the purchase price. SuisseVelo seems to reimburse in full without the reduction. Anyone have experience with SuisseVelo?
Reply With Quote
  #12  
Old 13.03.2023, 22:55
Forum Legend
 
Join Date: Aug 2015
Location: Zurich City
Posts: 7,835
Groaned at 609 Times in 359 Posts
Thanked 9,750 Times in 4,529 Posts
ZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond repute
Re: Insurance for bicycle (specifically)

Quote:
View Post
I am looking to insure my city bike that I paid 600 chf for about 8 years ago.

I have read some people recommend TCS but I don't agree. They seem to prorate the payout based on the age of your bicycle. For an 8 year old bike like mine I guess they would only reimburse 30 percent of the purchase price. SuisseVelo seems to reimburse in full without the reduction. Anyone have experience with SuisseVelo?
No. I don‘t really like identifying stickers attached to mine. Or the ease with which they can be removed. I go through my household insurance, as mentioned above. What is the unique point of this ‚service‘?. The link I found was a little, well, uninformative.
Reply With Quote
  #13  
Old 13.03.2023, 23:00
k_and_e
 
Posts: n/a
Re: Insurance for bicycle (specifically)

Quote:
View Post
I am looking to insure my city bike that I paid 600 chf for about 8 years ago.

I have read some people recommend TCS but I don't agree. They seem to prorate the payout based on the age of your bicycle. For an 8 year old bike like mine I guess they would only reimburse 30 percent of the purchase price. SuisseVelo seems to reimburse in full without the reduction. Anyone have experience with SuisseVelo?
The most honest answer is that this bike is not worth insuring. Also, as per Zurirollt's post, household insurance covers it. It even covers my ebike.
Reply With Quote
The following 3 users would like to thank for this useful post:
  #14  
Old 13.03.2023, 23:10
Forum Legend
 
Join Date: Aug 2015
Location: Zurich City
Posts: 7,835
Groaned at 609 Times in 359 Posts
Thanked 9,750 Times in 4,529 Posts
ZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond repute
Re: Insurance for bicycle (specifically)

Quote:
View Post
I am looking to insure my city bike that I paid 600 chf for about 8 years ago.

I have read some people recommend TCS but I don't agree. They seem to prorate the payout based on the age of your bicycle. For an 8 year old bike like mine I guess they would only reimburse 30 percent of the purchase price. SuisseVelo seems to reimburse in full without the reduction. Anyone have experience with SuisseVelo?
The weird thing is, that the company you are asking about is not supported by the companies it claims to be supported by on its site. Despite the membership fees.

Or have I missed something?
Reply With Quote
  #15  
Old 13.03.2023, 23:38
kri's Avatar
kri kri is offline
Forum Legend
 
Join Date: Nov 2007
Location: Zürich City
Posts: 3,387
Groaned at 71 Times in 54 Posts
Thanked 3,565 Times in 1,710 Posts
kri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond reputekri has a reputation beyond repute
Re: Insurance for bicycle (specifically)

Quote:
View Post
I am looking to insure my city bike that I paid 600 chf for about 8 years ago.

I have read some people recommend TCS but I don't agree. They seem to prorate the payout based on the age of your bicycle. For an 8 year old bike like mine I guess they would only reimburse 30 percent of the purchase price. SuisseVelo seems to reimburse in full without the reduction. Anyone have experience with SuisseVelo?
Why would you insure it now when its less likely to be stolen than 8 yrs ago? Residual value is common in some insurances. My home insurance however paid up new value when my bike was stolen years ago, bike was perhaps 5 yrs old. Why not use your home content insurance?
Reply With Quote
  #16  
Old 14.03.2023, 08:33
Jim2007's Avatar
Forum Legend
 
Join Date: Jun 2006
Location: Kt. Bern
Posts: 6,248
Groaned at 410 Times in 294 Posts
Thanked 10,365 Times in 4,508 Posts
Jim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond repute
Re: Insurance for bicycle (specifically)

Quote:
View Post
I am looking to insure my city bike that I paid 600 chf for about 8 years ago.

I have read some people recommend TCS but I don't agree. They seem to prorate the payout based on the age of your bicycle. For an 8 year old bike like mine I guess they would only reimburse 30 percent of the purchase price. SuisseVelo seems to reimburse in full without the reduction. Anyone have experience with SuisseVelo?
You are going to pay 50 Francs a year on an eight year old bike that no professional thief is likely to steal and the opportunist can be deterred with a decent frame lock and a cable lock…. On top of which you’d have paid two thirds of the price of the bike in premiums over the period. It does not sound like much of a deal to me.

And even if you did get the full price would you be able to get an equivalent bike today for the sane money?
Reply With Quote
  #17  
Old 14.03.2023, 09:01
Forum Veteran
 
Join Date: Sep 2021
Location: Geneva
Posts: 2,129
Groaned at 272 Times in 180 Posts
Thanked 2,619 Times in 1,256 Posts
Biro has a reputation beyond reputeBiro has a reputation beyond reputeBiro has a reputation beyond reputeBiro has a reputation beyond reputeBiro has a reputation beyond reputeBiro has a reputation beyond repute
Re: Insurance for bicycle (specifically)

I guess it depends if you want a new bike (cheaply)
Reply With Quote
This user would like to thank Biro for this useful post:
  #18  
Old 14.03.2023, 09:40
Forum Veteran
 
Join Date: Jun 2014
Location: Zürich
Posts: 966
Groaned at 18 Times in 16 Posts
Thanked 832 Times in 446 Posts
gipfelisturmer has a reputation beyond reputegipfelisturmer has a reputation beyond reputegipfelisturmer has a reputation beyond reputegipfelisturmer has a reputation beyond repute
Re: Insurance for bicycle (specifically)

Quote:
View Post
I am looking to insure my city bike that I paid 600 chf for about 8 years ago.

I have read some people recommend TCS but I don't agree. They seem to prorate the payout based on the age of your bicycle. For an 8 year old bike like mine I guess they would only reimburse 30 percent of the purchase price. SuisseVelo seems to reimburse in full without the reduction. Anyone have experience with SuisseVelo?
Have you read one post above yours?
You can include it as part of household insurance and it should be a small addon.
Reply With Quote
  #19  
Old 14.03.2023, 13:56
Junior Member
 
Join Date: Jan 2022
Location: Vaud
Posts: 52
Groaned at 12 Times in 6 Posts
Thanked 8 Times in 7 Posts
GarlicPasta has become a little unpopularGarlicPasta has become a little unpopular
Re: Insurance for bicycle (specifically)

Quote:
View Post
Why would you insure it now when its less likely to be stolen than 8 yrs ago? Residual value is common in some insurances. My home insurance however paid up new value when my bike was stolen years ago, bike was perhaps 5 yrs old. Why not use your home content insurance?
Where I live currently there have been a few recent bike thefts within the building and also some mailbox pirates. I plan to leave the bike outside when the weather warms. Currently i keep it in my apartment.

I last negotiated my homeowner insurance with Axa over a year ago. I thought the "sports equipment" protection they were offering was more than 50 chf. I don't need to insure any other equipment. Mostly i am looking for piece of mind when I leave it outside.
Reply With Quote
  #20  
Old 14.03.2023, 14:05
Junior Member
 
Join Date: Jan 2022
Location: Vaud
Posts: 52
Groaned at 12 Times in 6 Posts
Thanked 8 Times in 7 Posts
GarlicPasta has become a little unpopularGarlicPasta has become a little unpopular
Re: Insurance for bicycle (specifically)

Quote:
View Post
You are going to pay 50 Francs a year on an eight year old bike that no professional thief is likely to steal and the opportunist can be deterred with a decent frame lock and a cable lock…. On top of which you’d have paid two thirds of the price of the bike in premiums over the period. It does not sound like much of a deal to me.

And even if you did get the full price would you be able to get an equivalent bike today for the sane money?
I have an ABUS folding lock which i think I paid about 100 CHF back in the day. It seems solid overall. I don't have a chain lock. Mostly i am looking for piece of mind to leave my bike outside.
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Air travel with bicycle (specifically British Airways) Starky Leaving Switzerland 9 20.09.2017 15:30
Electric Bicycle Insurance Sbrinz Insurance 0 19.05.2017 09:22
Bicycle questions (bike Tag, Insurance) Jamboree Transportation/driving 5 19.03.2017 19:46
Velo or bicycle insurance information Sbrinz Insurance 3 01.02.2014 20:38
Bicycle Insurance jamesWtc Insurance 9 31.05.2007 14:26


All times are GMT +2. The time now is 14:18.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2024, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0