Cycling is booming across Germany – whether it’s for commuting, fitness, or adventure. As more Germans and expats invest in high-end bicycles and e-bikes, protecting these valuable assets with the best bike insurance in Germany becomes essential. In 2025, several digital-first insurers offer flexible, transparent, and affordable bike insurance plans. This guide covers the top bike insurance providers in Germany – Feather Insurance, Helpster, Qoverme, and Luko – helping you make an informed decision.
1. Feather Insurance
Feather is a popular digital insurance provider in Germany, especially favored by expats. Known for its English-first interface and hassle-free sign-up process, Feather now offers comprehensive bike insurance.
Key Features:
- Coverage includes theft (even from public places), vandalism, and damage from accidents or falls.
- Applies to regular bikes and e-bikes (up to a defined wattage).
- Worldwide protection for travel within the EU and beyond.
- Monthly cancellation – perfect for short-term stays or flexibility.
Benefits:
- Policies start from €4/month, based on your bike’s value.
- 100% digital process – no paperwork.
- Quick claims process with online submission.
Feather’s bike insurance is best suited for those looking for simple, transparent, and English-speaking bike insurance in Germany.
2. Helpster
Helpster, a rising player in the German insurtech space, offers customizable and affordable bike insurance, including for high-value e-bikes and speed pedelecs.
Key Features:
- Covers theft, damage due to accidents, vandalism, and even natural disasters like floods.
- E-bike battery protection and accessories (lights, panniers, GPS).
- Optional add-ons for bike breakdown service and roadside assistance.
Benefits:
- Insures bikes up to €15,000 in value.
- Fast online quote and coverage within minutes.
- Contract terms from monthly to annual.
Helpster is ideal for cyclists looking for modular bike insurance in Germany, especially those who own expensive bikes or e-bikes.
3. Qoverme
Qoverme partners with tech platforms to deliver innovative insurance solutions. Their bike insurance for Germany is designed for urban riders and commuters who rely heavily on their bikes.
Key Features:
- 24/7 protection against theft, damage, and vandalism.
- Includes third-party liability insurance – a must in case of accidents involving others.
- Designed to cover professional, commuter, and leisure riders.
Benefits:
- Transparent pricing starting from €5/month.
- Multilingual support, including English.
- Fast digital claims processing.
Qoverme stands out for combining bike insurance with liability coverage, making it one of the best bike insurance options for city cyclists in Germany.
4. Luko
Luko, a French digital insurance provider now active in Germany, brings eco-conscious, customer-centric bike insurance options for 2025.
Key Features:
- Protection against theft (even from locked public areas), accident damage, and wear-related breakdowns.
- Covers e-bikes and cargo bikes.
- Option to bundle with home contents insurance, saving money and simplifying management.
Benefits:
- Insurance starts from €3.90/month.
- 100% paperless, app-based policy and claims process.
- 2-day claim settlement for verified theft or damage.
Luko is a great choice for environmentally conscious users who prefer digital-first, sustainable insurance in Germany.
How to Choose the Best Bike Insurance in Germany
When comparing bike insurance in Germany, consider the following:
- Bike value – Some providers specialize in high-end bikes or e-bikes.
- Coverage – Theft, damage, battery, accessories, and liability.
- Location – Urban riders may need broader theft coverage.
- Flexibility – Monthly cancellation or bundling options.
Final Thoughts: Which is the Best Bike Insurance in Germany in 2025?
The best bike insurance for you depends on your bike’s value, how often and where you ride, and whether you prefer a fully digital experience. Feather is perfect for English-speaking expats, Helpster for e-bike and custom coverage lovers, Qoverme for commuters needing liability, and Luko for eco-conscious riders wanting fast claims and bundling options.
Before buying, always check policy exclusions and deductible amounts. With the right bike insurance, you’ll have peace of mind every time you hit the road.