ÖKK’s bike insurance

With ÖKK BIKE BASIS, your bike is insured worldwide against accident/crash damage, theft as well as user/handling errors If any of these occur, your bike is insured up to its replacement value. This is calculated based on the age of your bike.

• Insurance amount: up to CHF 15,000
  
• Excess: CHF 100
  
• Term: can be individually selected between 1 and 5 years depending on the age of the bike

If you opt for ÖKK BIKE PLUS, you get additional benefits to those under ÖKK BIKE BASIS. These include if your bike is damaged through vandalism or if the battery on your e-bike is broken. You also benefit from an extended guarantee and a replacement bike – even when you’re abroad. In Switzerland and Liechtenstein, ÖKK BIKE PLUS also offers mobility protection, covering the costs for your bike to be transported to your home or a workshop as well as your travel costs home.

• Insurance amount: up to CHF 15,000
  
• Excess: CHF 100
  
• Term: can be individually selected between 1 and 5 years depending on the age of the bike

There are three steps:

1. Calculate your premium at bike.oekk.ch.
2. Conclude your policy by clicking on “Conclude now”. This step eliminates the need for a physical signature and means your insurance has been legally concluded.
3. You will receive an invoice by e-mail.

• ÖKK BIKE can be concluded by individuals of 18 years and above, who legally reside in Switzerland and are the legal owner of a bike.
• The purchase date of the bike may be up to 14 days in the future or up to 7 years in the past.
• ÖKK BIKE BASIS can only be concluded if the bike is no older than 24 months.
• You do not need to be an ÖKK customer to conclude the insurance policy.

In principle, you can insure bikes that are up to seven years old.

For bikes that are less than six months old, the maximum insurance duration is five years. After this period elapses, it is possible to renew the insurance for an additional year. You can do so by taking out a new policy at bike.oekk.ch.

For bikes that are more than six months and less than 24 months old, the maximum insurance duration is three years. After this period elapses, it is possible to renew the insurance for an additional year. You can do so by taking out a new policy at bike.oekk.ch.

For bikes that are more than two years old, ÖKK BIKE PLUS can be taken out for one year. To extend the insurance, you need to take out a new policy at bike.oekk.ch.

The insurance may begin up to 14 days in the future.

The insurance covers starts and ends on the dates listed in the insurance confirmation.

You will receive your contractual documents by e-mail. You will receive the invoice for the annual premium in a separate e-mail.

You can insure all bicycles, including bikes with electric motors with a power output of up to 1.00 kW as well as pedal assistance which travel at up to 45 kmph. The purchase date of the bike may be up to 14 days in the future or up to seven years in the past.

The insurance cover applies for one specific bike. This means that you need to conclude a separate policy for each bike/e-bike.

No. Your annual premium will remain the same for the entire term of your insurance.

It is possible to make adjustments to your policy within two weeks of concluding it. Once this deadline has passed, adjustments will be considered on a case-by-case basis. Send any such requests to privateclients@oekk.ch.

The insurance cover is also valid if your bike (of which you are the owner) is ridden by people who live with you in the same household and who are authorised to ride the bike.

Your insurance is valid worldwide. However, cover for mobility protection and bike/personal transport is only valid in Switzerland and Liechtenstein.

You can find detailed information about the products, coverage and contractual conditions in our General Insurance Conditions (GIC). You received and confirmed there when concluding your policy.

The process varies depending on the claim being made. In the claim guidelines you will be informed of how to proceed.

In the event of a claim, the following costs are covered:

• Repair costs (incl. accessories) for your bike, provided the repair is carried out in an official specialist workshop.
• Replacement in kind of an equivalent value, provided the bike is less than two years old. The insurer reserves the right to make a cash payment instead. The amount of the remuneration is in all cases limited to the initial purchase price.
• Replacement value of as-new bikes: applies for bikes which were less than two years old when concluding the policy, but are now more than two years old (see present value table).
• Replacement value of second-hand bikes: applies for bikes which were more than two years old when concluding the policy (see present value table).

Present value table for as-new bikes

Present value table for second-hand bicycles

With ÖKK BIKE PLUS, in the event of your bike getting damaged within Switzerland or Liechtenstein, you are also reimbursed for the transport of your bike and yourself (e.g. transport home) and for mobility protection (e.g. in case of an important appointment) for up to CHF 300 per case. Up to CHF 800 is paid towards the cost of a replacement bike anywhere in the world.

Repair costs are covered if the bike is repaired in an official specialist workshop for bikes.

The excess amounts to CHF 100 per claim.

ÖKK BIKE PLUS: there is no excess for the benefits under mobility protection, replacement bikes and transporting bikes and people.

You can terminate the insurance policy early in the following cases:

• The contract can revoked within 14 days of concluding the insurance. This deadline is deemed to have been met if you, as the insured person, give written notification of the revocation to ÖKK within 14 days of concluding the policy. If notice is sent by post, the date of the post mark applies.
• In the event of a claim for which benefits are provided, as the insured person, you may terminate the contract. To do so, you must provide notice of termination within 14 days of acknowledging the payment. Your insurance coverage expires 14 days after notification of termination has been received.
• If you, as the insured person, move your place of residence under civil law to a location abroad, the insurance expires as of the date you move. You must notify ÖKK of your move.
• If the insured bicycle is sold, exchanged, transferred to a new owner or given away as a gift, you, as the insured person, must notify ÖKK of this in writing within 30 days of the change occurring. The rights and obligations arising from the contract in place are in each case transferred to the new owner, who is entitled to waive their right to the insurance coverage (in writing) being continued within 14 days of becoming the new owner. In this case, the remainder of the premium is reimbursed to you.

In all cases, notifications of termination must be sent in writing to ÖKK by e-mail or post.

ÖKK
Kranken- und Unfallversicherungen AG
Bahnhofstrasse 13
P.O. Box
7302 Landquart
T 0800 838 000
privateclients@oekk.ch

There is no need to give notice of termination. Your contract starts and ends on the dates listed on the policy.

TONI Digital Insurance Solutions AG. It acts as the linked insurance broker for European Travel Insurance (ERV). ÖKK is the distribution partner of TONI and distributes bike insurance products on their behalf.

Collective insurance contract policyholder:

TONI Digital Insurance
Solutions AG
Seefeldstrasse 5A
8008 Zurich
dataprotection@tonidigital.com

Risk carrier:

European Travel Insurance ERV,
Branch office of Helvetia Swiss Insurance Company Ltd
St. Alban-Anlage 56
P.O. Box
CH-4002 Basel

Distribution partner:

ÖKK Versicherungen AG
Bahnhofstrasse 13
7302 Landquart
T 0800 838 000
privateclients@oekk.ch

ÖKK
Kranken- und Unfallversicherungen AG
Bahnhofstrasse 13, P.O. Box, 7302
Landquart
T 0800 838 000
privateclients@oekk.ch