All information in this article is for general orientation purposes only. For decisions regarding benefits or claims, only the currently valid insurance terms and conditions apply. In case of doubt, the terms and conditions always take precedence.
The wear-and-tear insurance is an optional additional service in company bike leasing. It covers the replacement of certain bicycle components that are damaged due to regular wear and tear. This article explains the scope of coverage, costs, and the process in the event of a wear-and-tear claim.
Scope of Coverage
Budget per Leasing Year
The budget is based on the purchase price of the bike:
- Up to €5,000 gross: €200 net
- €5,001 to €10,000 gross: €250 net
- €10,001 to €15,000 gross: €300 net
from 02/01/2026: no annual maximum compensation limit – coverage applies over the contract period up to the purchase price of the bicycle.
Cost of Wear-and-Tear Insurance
- From €5.90 net per month (tiered according to the purchase price of the bike).
- The costs are financed via salary conversion or an employer subsidy.
Claim Reporting and Processing
- The replacement must be carried out by a Bikeleasing partner dealer.
- The dealer submits the repair directly via the Bikeleasing portal.
- Self-performed repairs are not permitted.
FAQ / Additional Notes
-
Can I add the wear-and-tear insurance later?
Only possible before contract approval. No changes can be made after the bike has been handed over. -
What happens if the repair costs exceed the budget?
The company bike user must pay the difference themselves. -
Where can I find the complete list of services?
https://files.bikeleasing.de/pdf/at/versicherungs-und-servicehandbuch-at.pdf
Translation Note: This article has been translated using automatic translation software to provide the reader with a basic understanding of the content. Despite reasonable efforts to provide an accurate translation, we cannot guarantee its accuracy.
If there are any questions regarding the accuracy of the information in the translated article, please refer to the German version of the article, which is the official version.