Optimal coverage reimagined
Bicycle insurance subscription
Protection. Security. Carefree riding.
All this is included in your bicycle insurance
New value protection
We will reimburse you the full purchase price for the first 24 months. No matter where in the world your bicycle goes missing.
Protected in 5 minutes
Take out an insurance subscription in just a few minutes, no paper, instant insurance, all digital.
Flexible monthly payments
Large annual payments are a thing of the past, you pay monthly, and can cancel your subscription on a monthly basis too.
Price for your insurance subscription
from CHF 14.90 per month.
Reliable protection – with Swisscom and Zurich
A good feeling on every journey.
With Swisscom's digital insurance subscription and Zurich's tried-and-tested protection, you are fully covered – quickly, easily and reliably.
What is always covered?
All Risk protection
Loss, damage or destruction – whether due to theft, falling, or fire.
New value protection
100% of the purchase price in the first 24 months, thereafter 70% (years 3-4), 50% (years 5-6), 30% (from year 7)
Worldwide protection
Cover applies to your day-to-day life and when travelling for up to 24 months away from home
Our tip: due diligence
Secure your bicycle with a lock, as gross negligence can reduce your compensation.
Useful extras
24/7 roadside assistance
Picks you and your bicycle up anywhere in Europe in the event of a breakdown or accident, and takes you to your destination or workshop free of charge.
Unlimited transport costs
Help when you need it – without limits. Roadside assistance is not limited by the sum insured.
Additional costs covered
We will cover the costs of your onward journey or return journey by public transport or taxi, up to two nights' hotel accommodation, and replacement transport for your bicycle.
Scope of application
All of Europe, only a few countries are excluded (Armenia, Azerbaijan, Georgia, Kazakhstan, Moldova, Russian Federation, Ukraine, Belarus, and Cyprus)
Personalised advice
Give us a call and receive expert advice on your insurance coverage.
Bicycle gone?
Report it easily and quickly in the My Swisscom app – before your coffee is even ready.
Report in 2 min
Your details go straight to the Zurich experts – zero paperwork, only experienced claims specialists.
We take care of it
Experienced Zurich claims experts handle the case entirely for you, while you’re already thinking about your next adventure.
Money back fast
Once approved, Zurich transfers the replacement value to your account in no time. If you have questions, our experts help you free of charge at 0800 800 909.
Questions. Answers. Clarity.
Everything you need to know
Which bicycle are insured with the bicycle insurance subscription?
All types of bicycle – with or without pedal assistance. Example: racing bikes, mountain bikes, cargo bikes or e-bikes.
Will taking out this cover alongside my household contents insurance result in double insurance?
Bicycles and e-bikes with pedal assistance up to 25 km/h are often included in household contents insurance – but only within your own four walls. There is usually no cover for damage to the bicycle or theft while travelling. Although many household contents insurance policies can be taken out with the "simple theft away from home" add-on, even then the cover is often limited to around CHF 2,000 – nowhere near enough for high-quality bicycle or e-bikes. Damage to the bicycle is usually not insured at all. Incidentally, fast e-bikes with assistance up to 45 km/h are not included in household contents insurance and must be insured separately.
How high is the deductible for All Risk cover in the event of a loss or claim?
The deductible in the event of a loss is 10 % of the claim, with a minimum of CHF 200. For claims from the additional cover (e.g. contingency insurance, costs) there is no deductible.
How high is the compensation in the event of a loss or claim?
- For a repair: the repair costs
- In the event of a total loss: the value according to the replacement value table
Example: a 3-year-old bicycle has a replacement value of 70% of the new price.
Age from initial purchase date |
Replacement value |
In the 1st and 2nd year following initial purchase |
100% of the new value |
In the 3rd and 4th year from new purchase |
70% of the new value |
In the 5th and 6th year from new purchase |
50% of the new value |
From the 7th year from new purchase |
30% of the new value |
When is a bicycle insurance subscription particularly worthwhile?
- If your bicycle is expensive or of high quality (e.g. carbon frame or special components)
- If you are on the road a lot (travelling, city traffic, commuting)
- If you want to protect yourself against all eventualities – even when travelling
Benefit from our insurance subscriptions
Personalised advice
If you have any questions, the Swisscom sure Customer Care Team is there for you.
Free of charge: from Monday to Friday, 8 a.m. to 5 p.m.
Report claim
Report your claim by telephone. We will forward you to Zurich Insurance Company Ltd.
Free of charge: 24 hours a day, 365 days a year