Carefree bike leasing.

New conditions for all-round protection

The information listed on all-round protection applies to new contracts from March 13, 2025 onwards and does not affect all contracts concluded before this date.

Optimally covered. Thanks to the all-round protection from Lease a Bike!

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Bicycle theft & damage protection

Employees can choose between the Premium and All-inclusive options and opt for either time or replacement value insurance. In both cases, the bike only needs to be locked.

  • Premium: In the event of theft or total loss, the leasing contract is terminated. The bike only needs to be locked.
  • All-inclusive: In the event of theft or total loss, the bike will be replaced at its original purchase value including accessories. The bike only needs to be locked.

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Bicycle inspection

Employees can choose between the Basic, Premium or All-inclusive options according to their individual requirements, regardless of the selected variants for theft and damage protection or wear and tear.

  • Basic: 2 inspections at €85 gross* each
  • Premium: 3 inspections at €85 gross* each
  • All-inclusive: 3 inspections at €115 gross* each 

A maximum of one inspection can be carried out per leasing year.

*Note: The costs of the inspections are capped: The inspection in the basic and premium variants can be billed up to a gross amount of €85.00. The costs in the all-inclusive variant can be billed up to a gross amount of €115.00 each. If the available budget is lower, the inspection will be invoiced up to this amount. Any additional inspection costs are to be borne by the lessee or user.

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Bicycle wear

With regard to the wear and tear budget, employees can also choose the right variant for them from the Basic, Premium or All-inclusive options. 


The wear and tear budget per leasing year is

  • Basic: €50 gross 
  • Premium: €150 gross
  • All-inclusive: unlimited budget


It is not possible to carry over the unused budget to the following leasing year.

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Free, Europe-wide mobility guarantee

In the event of a claim, we provide the following services to maintain mobility:

  • 24-hour service hotline
  • On-site breakdown assistance
  • Arrangement of a bicycle repair shop in the vicinity of a breakdown
  • Towing**
  • Organisation of onward or return journey after an accident**
  • Replacement bike for max. 7 days at €50**
  • Bicycle return transport**
  • Organisation of emergency cash for bicycle tours abroad**
  • Assumption of accommodation costs in the event of a breakdown**

**from a distance of 10km from your permanent residence

All-round protection according to your requirements

Lease a Bike allows you to configure your all-round protection according to your riding style and needs. Our colleague Anna from Customer Service explains in the video how you can make your individual choice and which options you can choose from. 

Everything at a glance

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Theft and damage protection

Premium: In the event of theft/total loss, the leasing contract is terminated, when bike was locked.
All-inclusive: In the event of theft/total loss, the bike is returned at the original purchase value including accessories, when bike was locked.

icon dealer

Inspection

Basic: 2 inspections at €85 gross*
Premium: 3 inspections at €85 gross*
All-inclusive: 3 inspections at €115 gross*
A maximum of one inspection can be carried out per leasing year.

Icon Service

Wear and tear

Basic: 50€ gross
Premium: 150€ gross
All-inclusive: unlimited budget
It is not possible to carry over the unused budget to the following leasing year.

Urban Arrow Cargo Bike Family Next Black

Which all-round protection package is right for you?

Which bike do you ride?

Do you ride an e-bike, a city bike or a racing bike? Depending on your choice of dream bike, the price, complexity and type of use of the bike will also differ.

For example, if you lease a racing bike as a company bike, it can be assumed that the load on your bike is high due to the kilometers ridden. The all-inclusive option for inspection and wear budget could therefore make sense.

How many kilometres do you drive on average?

Think about how many kilometers you cover on average each week on your company bike. If you cycle a lot, the wear and tear on your bike will also tend to be greater.


So our all-inclusive option for the wear budget probably makes sense in order to benefit from an unlimited wear budget.

FAQ about all-round protection

Which parts are considered wearing parts?

Every Lease a Bike service bike receives an all-round protection package with an individually selected annual wear and tear budget upon conclusion of the contract. We use this budget to cover all necessary repairs to restore operational safety as well as wear-related repairs. This includes the following wear parts, among others:

  • Tire casing
  • inner tube
  • Brake pads
  • brake disks
  • chain
  • Cassette/sprocket
  • Sprocket
  • Chainring
  • Bottom bracket
  • lights
  • Brake and shift cables.
Who is responsible for the care and maintenance of my company bike?

Depending on the inspection option selected, your available budget for inspections per leasing year and the number of possible inspections during the leasing period will vary. The wear and tear budget per leasing year also varies depending on the option selected. The costs for inspections and wear and tear repairs are settled via the budget booked in each case. If the budget is exceeded, you pay the difference. Simply contact one of the Lease a Bike specialist dealers and make an appointment.

What happens if my company bike is stolen?

First of all, a police report is mandatory in the event of theft. With the help of the file number and the household contents insurance data (if available), the report can then be easily submitted by the specialist bike dealer via our portal. 


  1. The specialist dealer can access the online form via the “Damage & theft” menu item. You will be automatically redirected to the Allianz portal. One damage report is possible per contract ID.
  2. Using this online form, the claim can simply be submitted digitally. Select the type of claim and answer specific questions for a complete report. Use Google Maps to specify the exact location of the claim. No changes can be made during the entry process. If changes are made, the process must be restarted. Upload all required documents.
  3. After verification by the insurance company, the specialist dealer will receive approval and confirmation that we will cover the costs. The current processing status is displayed during the process.
  4. Until approval is granted, a selection/coordination with the availability of a bike of the same type and quality can take place between the specialist bike shop and the user.
  5. The invoice for the new bike and payment will be issued by us.
  6. The handover of the new bike requires prior, final approval by us.


Note on object exchange in the event of theft within the existing contract with a bike of the same type and quality. The new bike must only have the same purchase value, including accessories, as the stolen bike. 


However, the company bike will only be replaced if the all-inclusive option for theft and damage protection has been selected. If the user only has the premium option, the current value insurance will apply and the leasing contract will be terminated in the event of theft and the bike will not be replaced.


In order to guarantee that the theft report is processed quickly, it will only be submitted by specialist bike shops. If you have any further questions, please contact us.

How do I report damage to Lease a Bike?

The damage report is simply submitted via the specialist dealer.


  • The specialist dealer can access the online form via the menu item “Damage & theft” in the menu. You will be automatically redirected to the Allianz portal. One damage report is possible per contract ID.
  • Using this online form, the claim can simply be submitted digitally. Select the type of claim and answer specific questions for a complete report. Use Google Maps to specify the exact location of the claim. No changes can be made during the entry process. If changes are made, the process must be restarted. Upload all required documents.
  • After verification by the insurance company, the specialist dealer will receive approval and confirmation that we will cover the costs. The current processing status is displayed during the process.


Note: In order to guarantee fast processing of the damage report, it is submitted exclusively by the bicycle dealer. Please contact us if you have any further questions.

More questions? We have the answers.

find dream bike

Further information

Whitepaper all-round protection
Whitepaper calculation example for your dream bike

Choose all-round cover & calculate savings.

Cycling is good for your health. But it's also good for your employees' wallets. E-bike and bicycle leasing can be up to 40 % cheaper than buying. The salary conversion reduces the taxable gross salary and thus also the social security contributions and taxes. Please note that the leasing instalment shown in the calculator is a non-binding calculation example.

Calculate your savings in the bike leasing calculator.
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