A few days back my bike and a branch from a nearby tree on the Guertel bike path "collided". The branch got stuck in my chain and blocked it. Nothing bad happened, but I had to fiddle it out and missed a green traffic light. Still, it made me think about my safety.
I'm going to tell you what kind of insurances I have and what I like and don't like about them.
- Well, I always had a personal liability insurance. This should cover me in case of a traffic accident (if someone hits me or I hit someone). It's standard in Austria to have that, so nothing special about that. Generally, it is included in the household insurance.
- Moreover, I am a member of a bicycle lobby. In their membership their are subsidiary liability, defense and accident insurances included. Due to the facts that they arrange such deals for all their members and that the insurances are subsidiary, this is a very cheap way out. Just for such purposes, it's a good idea to join a bicycle lobby, but moreover additional benefits and, e.g., regular magazines are included. Most of these bicycle lobbies work local, hence it's the best idea to ask other regular cyclists (or google) for information. In my case, Argus and VCOE (both Austrian-wide) and IG-Fahrrad (Vienna) offer great deals. Highly recommended!
- For my old mountain bike it would be stupid to have a theft insurance, but my new Paula get's noticed everywhere. And I would, of course, like to protect her. There are various ways to obtain a bicycle theft insurances in Austria. One of the most secure (but also most expensive) ones is certainly this one as it also covers the theft of parts, e.g., saddle. Well, this one is too expensive for me, so I decided to buy an extra package to my household insurance. It costs me about 3 € per month. Of course, the bicycle is only insured when locked.
- I don't have that, but for some road cyclists, mountainbikers etc. it certainly makes sense to have some kind of a sports insurance. But this only really makes sense if you are a (semi-)professional, it's useless for everyday cyclists like me.
Although I feel well-protected, I'm not so happy with all these insurances. I prefer the Swiss velovignette, which I discussed earlier. It's a very cheap and reliable liability insurance, and it's also possible to purchase cheap additional accident and theft insurances . The only drawback, however, is that it's mandatory.
What I don't like about insurances is, for example this: My household insurance automatically covers my cars, motorbikes and other motor vehicles against fire, burglary and theft. My cars and motorbikes? I don't bloody own one! My bicycle, on the other hand, is only insured when it's locked and parked in the house. What's the point? I want to use my bicycle to get from A to B, not to do round trips! Next time, I'll have to be more careful with my insurances. In case anybody knows about household insurances in Austria that don't include cars but bikes, please let me know :-).