According to an analysis by Generali, Münster is not only a stronghold of cyclists, but also of bicycle thieves. In the Westphalian city, twice as many citizens (18.7%) report a bicycle theft compared to the average for large cities and more than four times as many as the national average (4%). In Leipzig, one in six (15.1%, 2nd place) and in Dresden one in seven (14.1%, 3rd place) bikes are stolen. Bicycles are parked most securely in Stuttgart (1.8%) and the Ruhr metropolises of Essen (2.7%) and Dortmund (3.3%).
"Bicycles are more at risk in the northern federal states than in the south. Over a ten-year period, around one in ten bicycles is stolen in the strongholds," explains Roland Stoffels, CEO of Generali Deutschland Schadenmanagement. Insured persons in Brandenburg (11.8%), Bremen (11.1%) and Berlin (10.3%) are most frequently affected. The Saarlanders, on the other hand, can rest assured: Here, only one in 200 policyholders reports a bicycle theft under their home and contents insurance.
In the area of homeowners' and household contents insurance, Generali Deutschland analysed over 34,500 claims notifications in the bicycle theft category from 2012-2014 and extrapolated the risk over ten years. The portfolio of Generali Versicherungen and AachenMünchener was analysed for this purpose. Both insurance companies provide benefits totalling more than five million euros per year for the losses incurred.
In terms of the value of stolen bicycles, however, the southern German metropolises occupy the top positions among the major German cities: In Stuttgart (618 euros), Nuremberg (549 euros) and Munich (541 euros), the value of a stolen bike is significantly higher than the national average (438 euros). Dresden also has above-average bike prices (527 euros). Among the cities compared, insured persons in Duisburg report bicycles with the lowest value as stolen (384 euros). In a comparison of federal states, thieves steal the most expensive bikes in Bavaria (547 euros) and Saarland (540 euros). Although Brandenburgers are particularly worried about the safety of their bikes, the average value of stolen bikes here is the lowest at 355 euros.
Generali in Germany has analysed more than 3.5 million contracts in the private customer business of Generali Versicherungen and AachenMünchener in the area of homeowners' and household contents insurance. The result is a Germany-wide atlas of the risks that Germans are most frequently confronted with. Storm, hail and natural hazards were not included in the analysis, as the high number of claims caused by the flood disaster and hailstorms in 2013 would have led to distortions in the analysis.
The analysis refers to a period of three years (2012-2014) and was extrapolated to ten years. With around 300,000 claims reports analysed in these three years, the result shows an average total claims expenditure per year of around EUR 171 million.
Further information on the Generali Risk Atlas: www.generali-deutschland.de
