Whether insurance for your bicycle trailer is sensible, depends primarily on the usage and the value of the trailer.
A home contents insurance is often sufficient if the trailer is rarely used or always firmly connected to the bike. An additional bicycle trailer insurance is therefore particularly worthwhile when the trailer:
The rule: For theft or damage to an unattended bicycle trailer, home contents or liability insurance is usually not enough.
Tip: After buying your bicycle trailer, you should contact your home contents insurance and check whether the sum insured needs to be adjusted. If necessary, increase the sum insured in time to cover the value of bike and trailer.
There is no protection when the bicycle trailer is parked alone and stolen. This means as soon as the trailer is not connected to the bike, the insurance does not apply.
A separate insurance is therefore worthwhile if you use the bicycle trailer intensively, it is expensive or is often used without a bike.
While home contents insurance offers some protection, pure coverage through it is often not sufficient, since it usually only insures the bike itself. Likewise, liability insurance only covers a limited area, particularly for damage to the trailer or theft.
To close these gaps, a separate insurance for the bicycle trailer can be sensible. It protects not just the trailer, but also further accessories, that are not covered by the home contents insurance . A separate insurance is particularly worthwhile:
| In big cities: In cities there is a higher risk of theft ; therefore additional theft insurance is advisable. |
| For sporting activities: If you use the bicycle trailer for jogging or for other sporting purposes, you should pay attention to a comprehensive item protection. Due to the increased risk of accidents, these activities are not covered by home contents insurance. |
| Abroad: For trips abroad, a separate insurance for the trailer is indispensable. |
Tip: A GPS tracker like the Qeridoo Smart Tag enables real-time tracking. In case of theft it increases the chances of quickly recovering the bicycle trailer.
A bicycle trailer insurance complements the protection of the home contents insurance and often offers a more comprehensive coverage.
| Theft: Even when the bicycle trailer is parked alone, the insurance applies. |
| Vandalism: Damage from willful destruction of the trailer is covered. |
| Accidents and fall damage: Repair costs for damage caused by a fall or collision are insured. |
| Damage by third parties: If third parties damage the bicycle trailer , the insurance covers the costs. |
| Wear: Some policies also cover wear, e.g. the wear of tires or other safety-relevant parts. Note: there are often restrictions on the age of the trailer here. |
Important: For the insurance to apply, you must lock your bicycle trailer well .
The costs for a bicycle trailer insurance vary depending on the provider, scope of insurance coverage and the value of the trailer. On average, prices range between 30 and 100 euros per year. Here the frequency of use, the value of the bicycle trailer and the desired services (e.g. theft, vandalism, accidents) influence the price.
There are also differences between policies: Basic insurance is usually cheaper, while more comprehensive coverage that also covers wear or damage by third parties is more expensive. Compare different offers to find the best protection for your bicycle trailer.
Two examples:
Also note the deductible: Many insurances have a deductible in case of damage that can range between 50 and 150 euros. Some providers also offer contracts without deductible, which however results in higher monthly fees.
The right insurance for your bicycle trailer is crucial to well-cover it in case of damage or theft.
Pay attention to the following important points in your insurance policy:
| Contract term and termination: Check the term and termination conditions. Some insurances have fixed terms, where early termination can be difficult. |
| Coverage sum: Make sure the coverage sum covers the new value of your trailer. Also consider the accessories. |
| Insurance protection immediately: Clarify from when the protection applies. Normally it takes effect immediately after contract conclusion, but check the details for safety. |
| Deductible: Pay attention to whether a deductible is due and how high it is. A higher deductible can lower the monthly costs, but means more own share in case of damage. |
Tip: Read reviews and experience reports from other customers, to find out how reliable the insurance is in case of damage.
Take photos of your trailer, especially of the frame number and the model, to facilitate quick processing in case of damage. Register the serial number of your Qeridoo trailer on our website for easy proof.Last updated: February 4, 2026
Das hängt vom Wert und der Nutzung des Anhängers ab. Eine Hausratversicherung reicht oft aus, wenn der Anhänger selten genutzt wird oder stets fest mit dem Fahrrad verbunden ist. Eine separate Fahrradanhänger-Versicherung lohnt sich besonders bei hochwertigem Anhänger, häufiger Nutzung ohne Fahrrad oder wenn Schutz gegen Unfälle und Vandalismus gewünscht wird.
Die Hausratversicherung greift in zwei Fällen: wenn der Anhänger zusammen mit dem fest verbundenen Fahrrad im Freien gestohlen wird, oder wenn er aus einem abgeschlossenen Raum – etwa einer Garage oder einem Keller – entwendet wird. Nach dem Kauf des Anhängers sollte die Versicherungssumme geprüft und bei Bedarf angepasst werden, um den Gesamtwert von Fahrrad und Anhänger abzudecken.
Keinen Schutz bietet die Hausratversicherung, wenn der Fahrradanhänger allein – also ohne angeschlossenes Fahrrad – abgestellt und gestohlen wird. In diesem Fall ist der Anhänger nicht durch die Einbruch-Diebstahl-Klausel der Hausratversicherung gedeckt und eine separate Versicherung ist notwendig.
Die Kosten liegen im Durchschnitt zwischen 30 und 100 Euro pro Jahr und hängen von Anbieter, Nutzungshäufigkeit, Wert des Anhängers und gewünschtem Leistungsumfang ab.
Ja, in Großstädten ist das Diebstahlrisiko statistisch deutlich höher als in ländlichen Regionen. Eine zusätzliche Diebstahlversicherung ist dort besonders empfehlenswert – vor allem, wenn der Anhänger regelmäßig im Freien abgestellt wird. Ergänzend dazu erhöht ein GPS-Tracker wie der Qeridoo Smart Tag die Chancen, den Anhänger nach einem Diebstahl schnell wiederzufinden.
Die Hausratversicherung bietet im Ausland in der Regel keinen ausreichenden Schutz. Wer mit dem Fahrradanhänger verreist oder ihn im Urlaub nutzt, sollte auf eine separate Versicherungspolice zurückgreifen, die explizit auch den Auslandsschutz einschließt.
Besonders wichtig sind: die Deckungssumme – sie sollte den Neuwert des Anhängers inklusive Zubehör abdecken –, die Höhe einer etwaigen Selbstbeteiligung, der genaue Zeitpunkt des Versicherungsbeginns sowie Vertragslaufzeit und Kündigungsbedingungen. Bewertungen anderer Kunden geben zusätzlich Aufschluss darüber, wie zuverlässig der Anbieter im Schadensfall arbeitet.
