All information in this article is for general guidance only. For decisions regarding benefits or claims, only the insurance terms and conditions in force at the time apply. In case of doubt, the terms and conditions always take precedence.
Anyone who regularly uses their company bike, sooner or later will notice wear and tear on individual components.
Brakes, tires, chain, or battery may be exposed to daily stress and will need to be replaced over time.
That’s exactly what the Bike Leasing Wear and Tear Insurance is for. It supplements the comfort insurance and covers the costs for insured wear parts that need to be replaced or repaired due to normal use of the company bike. This way, many ongoing costs during the leasing period can be reduced.
The key points at a glance:
- Optional additional protection for wear parts on the company bike
- No waiting period – insurance coverage starts upon bike handover
- Coverage of costs for many typical wear parts
- Repairs must be performed by a professional dealer
- For company bikes taken over from February 1, 2026, the wear and tear budget is generally available up to the original purchase price of the bike throughout the entire leasing period
Why does the Bike Leasing Wear and Tear Insurance exist?
Unlike accident or theft damage, wear and tear results from normal use of the company bike. The more frequently a bike or e-bike is used, the more individual components are stressed.
The Bike Leasing Wear and Tear Insurance was developed to cushion these ongoing costs. Frequent riders and e-bike users especially benefit from the additional coverage.
Which components are insured?
The Bike Leasing Wear and Tear Insurance covers the costs for the replacement or repair of many typical wear parts.
Insured wear parts include:
- Battery
- Brake pads
- Brake discs
- Brake fluid
- Tires, tubes, and tubeless systems
- Chains and toothed belts
- Cassettes
- Chainrings
- Pedals
- Grips and handlebar tape
- Shift and brake cables including outer casing
- Freehub body
- Gear hub service including lubricants
- Bearings of forks, shock absorbers, dropper posts, headsets, hubs, and pedals including service work
How much wear and tear budget do I have available?
For company bikes taken over from 02/01/2026
For leasing contracts with bike handover from February 1, 2026, a particularly simple rule applies:
The annual maximum compensation limit is eliminated. Instead, services up to the original purchase price of the company bike can be claimed throughout the entire leasing period.
Example:
- Purchase price of the company bike: €4,000
- Leasing period: 36 months
During the leasing period, wear-related repairs and replacement of insured spare parts can be claimed up to this total amount.
For company bikes taken over before 02/01/2026
For older leasing contracts, the previous annual maximum compensation limits apply:
- Purchase price up to €5,000 = €200 per leasing year
- Purchase price from €5,001 to €10,000 = €250 per leasing year
- Purchase price from €10,001 to €15,000 = €300 per leasing year
Which services are not insured?
The Bike Leasing Wear and Tear Insurance covers many wear-related costs. However, some services and damages are excluded from coverage.
- Inspections and maintenance (bookable in the inspection package)
- Repairs carried out independently by the user
- Damage caused by technical modifications or tampering with the bike or motor system
- Battery damage due to incorrect charging
- Increased wear caused by racing or competitions
- Services already covered by warranty or guarantee
What should I keep in mind in case of damage?
To have services covered by the Bike Leasing Wear and Tear Insurance, the following conditions should be met:
- The company bike must be used and maintained according to the manufacturer's specifications.
- Repairs and replacement work must be carried out by a professional dealer.
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Existing warranty or guarantee claims generally take precedence.
For more details, please see our insurance and service manual:
Bike Leasing Insurances for Employees
FAQ / Additional Information
Is the Bike Leasing Wear and Tear Insurance mandatory?
No. The Bike Leasing Wear and Tear Insurance is an optional additional service and can be voluntarily added to the company bike lease. However, if the employer has agreed to make this product mandatory in the service contract, the Bike Leasing Wear and Tear Insurance is a fixed component.
Is there a waiting period?
No. Insurance coverage begins with the handover of the company bike.
Can I perform repairs myself?
No. Repairs and replacement work must be performed by a professional dealer.
How much is my wear and tear budget?
It depends on the date of bike handover. For company bikes taken over from February 1, 2026, services up to the original purchase price can be claimed throughout the entire leasing period. For older contracts, annual maximum compensation limits apply.
Are inspections and maintenance included?
No. Regular inspections and maintenance are not part of the Bike Leasing Wear and Tear Insurance. A separate inspection package is available for this.
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.