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a.bike - our first post about bike theft (and us).
28. Mai 2025 durch
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Bicycle theft imposes a substantial economic burden, with significant financial losses for individuals, insurers, and broader societal impacts.   This overview delves into the financial ramifications of bike theft, examining the volume of stolen bicycles, their monetary value, the role of insurance, and other significant economic impacts mainly in North Amercia and Europe, drawing upon academic research and statistics.

Bicycle theft is more than just an inconvenience; it carries a substantial economic weight affecting individuals, communities, and the broader cycling economy. This analysis delves into the financial ramifications of bicycle theft , examining official statistics, the often-overlooked reality of unreported incidents, the monetary value of stolen assets, and crucial insights gleaned from bicycle insurance data. Understanding these factors is pivotal for developing effective prevention strategies and mitigating economic losses.

We have started to collect and compare data in March 2025. Over time his article ill be updated and refined.

Key Insights: The Staggering Reality of Bicycle Theft

  • Widespread Under-reporting: Official statistics significantly underrepresent the true scale of bicycle theft. Across all analyzed countries, a large percentage of thefts go unreported, meaning the actual number of stolen bicycles is often several times higher than police records suggest.
  • Escalating Value of Loss: While many stolen bicycles are valued under $1,000/£1,000/€1,200, the increasing popularity and theft of higher-value e-bikes are pushing up the average financial loss per incident, contributing to billions in cumulative economic damage annually.

Bike theft data per country:

United Kingdom

In the United Kingdom, bicycle theft represents a persistent economic challenge, with significant losses incurred through both reported and unreported incidents.

Reported Thefts

For the 2023/24 reporting year, there were 66,960 offences of "theft or unauthorized taking of a pedal cycle" recorded in England and Wales, according to data from the Office for National Statistics (ONS) [Office for National Statistics (UK), 2024, as cited by Statista], highlighting a slight decrease from the 77,148 reported in 2022/23. 

Estimated Total Thefts

The true number of bicycle thefts is considerably higher due to under-reporting. Survey evidence suggests that as many as 71% of bicycle thefts go unreported to the police [Stolen-Bikes.co.uk, accessed 2025, as cited in Answer C; Answer A]. Applying this under-reporting rate to the recorded figures for England and Wales implies an estimated total of approximately 230,000 bikes stolen annually (66,960 ÷ 0.29), as calculated in Answer C. Other estimates, such as those from Asgard (cited in Answer D), suggest figures could be even higher, potentially exceeding 500,000 annually across the UK if one bicycle is stolen every minute, factoring in an under-reporting rate where only 56% of thefts are reported (based on the International Crime Victim Survey).

Average Value of Stolen Bicycles

While specific UK-wide data on the average value of stolen bicycles is limited in the provided sources, academic data from North America, which may reflect similar market conditions, indicates that 46% of stolen bikes have a market value under USD 1,000 [Findings, “Patterns in Bike Theft and Recovery,” 2024].

Insights from Bicycle Insurance Data

Bicycle insurance data provides valuable insights into theft trends and financial protection. Specialist cycle insurers like Bikmo report that while a significant portion of claims can be for accidental damage, theft still represents nearly half of all claims (around 48% as per Answer B and D, citing Bikmo). These policies often offer "new-for-old" replacement, which is crucial given that, according to BBC News analysis (cited in Answer D), fewer than 3% of reported bike thefts result in charges, increasing reliance on insurance. Home contents policies, in contrast, often cap theft payouts (e.g., around GBP 750) and may have higher excesses or not cover bikes away from home, a limitation highlighted by GetCover.ie (cited in Answer C) and Answer B. AXA UK (cited in Answer D) emphasizes that their policies cover theft and damage, often without depreciation in the first few years, indicating the significant costs borne by insurers.

United States of America

The economic toll of bicycle theft in the United States is substantial, driven by high volumes of both reported and unreported incidents, and the increasing value of targeted bicycles.

Reported Thefts

According to FBI Uniform Crime Reporting data, an estimated 127,646 bicycles were reported stolen nationwide in 2023 [BikeIndex.org, 2025, as cited in Answer C]. Other figures suggest an average of 175,200 bikes are reported stolen in the United States every year, based on the mean number of bicycle thefts over the last five years, with bicycles accounting for approximately 3% of all larceny thefts [Bike Index, 2025, as cited in Answer D, and TheBestBikeLock.com, cited in Answer B].

Estimated Total Thefts

The actual number of stolen bikes is believed to be vastly higher than reported. Research by 529 Garage suggests that only about 10% of bike thefts are reported to police [TheBestBikeLock.com; 529 Garage study, as cited in Answer C], implying as many as 1.3 million to 1.5 million thefts annually. Academic collaborations and organizations like Bike Index estimate that over 2 million bicycles could be stolen each year in the US and Canada combined [BikeIndex.org, 2025, as cited in Answer C and D], with the US portion likely exceeding 1.5 million. A 2023 survey mentioned in Answer B found that only 37% of bike theft victims reported the theft to the police.

Average Value of Stolen Bicycles

Survey data indicates that a significant portion (46%) of stolen bicycles in North America have a value below USD 1,000 [BikeIndex.org, 2025, as cited in Answer C and D]. However, a considerable number fall into higher value brackets: 42% are valued between USD 1,000–2,500, and 12% are above USD 2,500. The rise of e-bikes, often valued at USD 2,000–4,000, is pushing average losses upward [BikeIndex.org, 2025].

Insights from Bicycle Insurance Data

Specialty insurers in the U.S., such as Velosurance, report that theft accounts for approximately 40% of all claims [Velosurance.com, as cited in Answer C]. Their standard policies typically cover theft and accidental damage, often reimbursing the full replacement cost (minus a deductible) and sometimes offering no depreciation for the first 36 months [Velosurance.com, as cited in Answer B, C, and D]. Optional coverages can include medical payments, third-party liability, and worldwide coverage, reflecting the comprehensive needs of cyclists and the significant financial risks associated with theft.

Canada

In Canada, assessing the precise economic impact of bicycle theft is challenging due to fragmented data, but available information points to a significant problem.

Reported Thefts

Comprehensive national statistics on reported bicycle thefts are not readily available as not all law enforcement agencies publish their data consistently [TheBestBikeLock.com, 2024, as cited in Answer B]. However, city-level data provides some indication; for example, Toronto Police Service reported 2,974 bike thefts in 2022 [TheBestBikeLock.com, 2024, as cited in Answer B and C; Toronto Police Service GIS, as cited in Answer C]. Across major Canadian cities, it is estimated that annual reported thefts likely exceed 30,000 to 50,000 [Answer C; Bike Index, 2025, as cited in Answer D].

Estimated Total Thefts

Under-reporting is a major factor in Canada as well. Estimates suggest that nearly 50% of Canadian bike theft victims do not report the crime to the police [TheBestBikeLock.com, 2024]. Some research, like the 529 Garage study, includes Canada in the estimate of over 2 million bikes stolen annually in the US and Canada combined. Strikingly, survey data indicates that 81% of Canadian cyclists have experienced bike theft on one or more occasions [TheBestBikeLock.com, 2024].

Average Value of Stolen Bicycles

The value distribution of stolen bicycles in Canada is similar to that in the U.S. Data from North American surveys, including "Patterns in Bike Theft and Recovery" [Findings, 2024, as cited in Answer C], shows that 46% of stolen bikes are valued under CAD 1,000. As in other countries, the increasing theft of e-bikes is pushing the mean loss per incident upwards, potentially exceeding CAD 1,200 [Answer C]. Hybrid/city/Dutch bicycles and mountain bicycles are the most commonly stolen types [Answer B].

Insights from Bicycle Insurance Data

While specific Canadian bicycle insurance data is less detailed in the sources, some insights are available. Project 529 data show that registered and insured bikes have a recovery rate three times higher than unregistered ones [Project 529, as cited in Answer C]. Collective insurance schemes, such as Laka (cited in Answer C), report monthly premiums for theft cover can be as low as CAD 4, reflecting models designed to pool risk and minimize costs for members.

Ireland

For Ireland, official national statistics on bicycle theft are sparse, making insurance data particularly important for understanding the economic impact.

Reported Thefts

National crime statistics for bicycle theft are not publicly disaggregated in Ireland [Answer C]. Consequently, estimates often rely on insurance claims data and reports from cycle-to-work schemes, which indicate an increasing demand for cover. Anecdotal estimates suggest 8,000–10,000 claims for theft annually [Cyclescheme.ie; CompareInsuranceIreland.ie, as cited in Answer C].

Estimated Total Thefts

Given the lack of a central registry or specific Irish studies on under-reporting, estimating total thefts involves extrapolation from experiences in comparable countries like the UK and Canada. Assuming a non-reporting rate of around 60%, as suggested in Answer C, the estimated total number of bicycle thefts in Ireland could approach 20,000 per year. However, this remains an informed extrapolation.

Average Value of Stolen Bicycles

Specialist insurers in Ireland observe an average insured value of approximately EUR 1,200 for bicycles [Qover Bike Insurance]. With some insurers like Qover reporting 100% acceptance of theft claims (in 2020) and offering replacement without depreciation for the first three years, average payouts often align with this insured value [Qover Bike Insurance].

Insights from Bicycle Insurance Data

Bicycle insurance data from Ireland highlights key trends. Providers like Bikmo report that theft accounts for around 48% of their claims, with accidental damage making up a similar proportion (49%) [Bikmo Ireland, as cited in Answer B and C; Cyclescheme.ie, cited in Answer B]. Specialist policies are crucial as over 90% of home insurance policies in Ireland do not cover a bike when it is away from the home [GetCover.ie, cited in Answer B; Answer C]. Furthermore, specialist policies often offer benefits like no depreciation on the bike for the first few years, zero excess for claims above a certain threshold (e.g., EUR 400 with Bikmo, cited in Answer C), and no premium increases after a claim, contrasting sharply with typical home contents policies [Bikmo, Qover, as cited in multiple answers]. Cycling Ireland membership often includes discounts on such specialist insurance [CyclingIreland.ie, as cited in Answer B].

Germany

Reported Thefts

In Germany, police authorities officially recorded approximately 245,900 bicycle thefts in 2024 [GDV, Statista], This figure represents a slight decrease compared to the previous year's 264,100 reported cases.

Estimated Total Thefts

The number of officially reported thefts in Germany significantly underrepresents the true scale of the problem. Many thefts go unreported to the police. The Allgemeiner Deutscher Fahrrad-Club (ADFC) has suggested that for every reported bicycle theft, there might be approximately 1.5 unreported incidents, which would imply a total annual theft figure closer to 370,000 cases [ADFC, 2022 data; Answer C]. Other estimates, such as those from the WSM (Wirtschaftsverband Stahl- und Metallverarbeitung), suggest an even higher dark figure, with potentially around 600,000 bicycles stolen annually, indicating that only 40-50% of thefts are reported [WSM data; Answer D].

A survey revealed that 65% of cyclists in Germany have experienced bike theft at some point in their lives, a figure that has increased by 130% over the last four years.  

Average Value of Stolen Bicycles

The average value of stolen bicycles in Germany has seen a notable increase, largely due to the rising popularity and theft of e-bikes. According to 2024 data from the German insurance industry (GDV), the average insurance payout (Schadendurchschnitt) per stolen bicycle reached €1,190 [GDV, 2025 data; Answers B, C, D]. This reflects the trend of thieves targeting more valuable bicycles; for context, the Zweirad-Industrie-Verband (ZIV) noted that the average price for a new e-bike was around €2,650 in recent years [ZDFheute; Answer B].

Insights from Bicycle Insurance Data

German insurers faced record-high costs due to bicycle theft in 2024, paying out a total of €160 million in compensation. This was an increase from €150 million in 2023, despite a slight decrease in the number of insured theft cases, which stood at approximately 135,000 in 2024 [GDV, 2025 data; Answers B, C, D]. This rise in total claim value, even with fewer insured claims, underscores the increasing average value per stolen bicycle. It's also noteworthy that roughly half of the approximately 27 million household insurance policies in Germany include a bicycle clause covering theft outside the home, provided the bicycle was adequately secured [GDV data; Answer B].

Austria

Reported Thefts

In Austria, the number of officially reported bicycle thefts has shown an upward trend in recent years. According to the Verkehrsclub Österreich (VCÖ), 19,455 bicycle theft cases were registered with Austrian police in 2024. This figure represents an increase of nearly 5% compared to the previous year [DerStandard.at, 2025 data citing VCÖ; Answers C, D] and follows an earlier rise to 18,566 reported thefts in 2023 [SN.at citing VCÖ; Answers A, B]. Vienna typically accounts for a significant portion of these thefts, with data from 2023 indicating the capital was responsible for 34.2% of all cases [Answer A].

Estimated Total Thefts

Similar to Germany, Austria experiences substantial underreporting of bicycle thefts. The VCÖ estimates that the actual number of stolen bicycles could be up to ten times higher than the officially reported figures [uniqa.at citing VCÖ; Answer B]. Based on the 19,455 reported thefts in 2024, this would suggest a potential total of around 195,000 bicycles stolen annually [DerStandard.at, 2025 data; Answer C]. The low clearance rate for bicycle thefts, which was around 9.3% nationally in 2021 and even lower in cities like Vienna (barely above 3%) [durchblicker.at; capitalo.at; Answer B], likely contributes to victims not reporting the crime.

Average Value of Stolen Bicycles

While comprehensive national statistics on the average value of stolen bicycles in Austria are less readily available than in Germany, data from individual insurers and regional trends provide some indication. Insurers like ÖAMTC indicate typical insured values ranging from €800 to €1,200 per bicycle, with higher values for e-bikes requiring specific coverage [ÖAMTC, 2022 data; Answer C]. The increasing prevalence of e-bikes suggests that the average value of stolen units is likely rising, mirroring trends in neighboring countries.

Insights from Bicycle Insurance Data

Bicycle insurance data from Austria highlights a growing awareness and concern among bicycle owners. For instance, the ÖAMTC reported a 30% increase in the uptake of its dedicated bicycle theft insurance since 2020 [ÖAMTC, 2022 data; Answer C]. Payout volumes have also been increasing, driven by both higher bicycle market prices, particularly for e-bikes, and greater enrollment in comprehensive insurance policies. Insurance providers emphasize the importance of adequate coverage, especially for thefts occurring in public spaces, and often recommend high-quality locks to mitigate risk and support claims [durchblicker.at; Answer D]. The concentration of thefts in urban areas, with around 60% occurring in state capitals [Answer A], also shapes insurance risk profiles.

Switzerland

Reported Thefts

In Switzerland, official statistics indicate a significant number of bicycle thefts, referred to as "Velodiebstahl." Data from the Swiss Federal Statistical Office (BFS) showed 38,322 bicycle theft incidents reported to police forces in 2021 [LuzernerZeitung.ch, 2022 data citing BFS; Answers B, C, D]. Some reports indicated a subsequent increase, with thefts potentially rising by 20% in 2022 compared to 2021 [Answer D, referencing "Es werden so viele Velos geklaut wie seit 2015 nicht mehr"]. Cantons like Basel-Stadt have been identified as having particularly high theft rates relative to their population [bernerzeitung.ch; Answer B].

Estimated Total Thefts

The extent of underreporting in Switzerland is considered substantial. Some Swiss criminologists have estimated that only a small fraction of actual thefts are reported to the police. One striking estimate suggests that perhaps only one in fifty incidents leads to a police report [LuzernerZeitung.ch, 2022 data; Answer C]. If applied to the 38,322 reported thefts in 2021, this would imply an astonishingly high annual total approaching 1.9 million incidents, although it's crucial to note that this particular estimate may include component thefts and other minor cases not always classified separately under headline bicycle theft figures [LuzernerZeitung.ch, 2022 data; Answer C]. The very low clearance rate for bicycle thefts, with some sources stating only about 1 in 50 cases (2%) being solved [LuzernerZeitung.ch; Answer B, D], contributes to the large dark figure.

Average Value of Stolen Bicycles

The average value of stolen bicycles in Switzerland, particularly those that are insured, is high and has been increasing. For example, Die Mobiliar, a major Swiss home contents insurer, reported an average claim of approximately 1,000 CHF per stolen bicycle in recent years [LuzernerZeitung.ch, 2022 data; Answers B, C, D]. Data from AXA Switzerland shows even higher figures, especially for e-bikes; in 2021, AXA's payouts averaged around 2,450 CHF for stolen e-bikes and 800 CHF for traditional bicycles [Presseportal-Schweiz.ch, 2022 data; Answer C]. Another report stated AXA's average payout across all bike thefts in 2022 was about 2,444 CHF per bicycle [AXA data cited in Answer D], based on 22 million CHF paid for around 9,000 cases.

Insights from Bicycle Insurance Data

Insurance data from Switzerland vividly illustrates the economic impact, especially the role of e-bike thefts. In 2021, AXA registered approximately 9,000 bicycle theft claims, resulting in total payouts of CHF 22 million—a more than 10% increase over the previous year [AXA.ch, 2022 data; Answer C]. This surge was largely attributed to a 47% jump in stolen e-bikes in 2021, while thefts of non-electric bicycles saw a decrease [bernerzeitung.ch; presseportal-schweiz.ch; Answer B]. Insurers have noted record-high claim costs due to the popularity and high value of e-bikes, alongside regional hotspots for theft activity. The low solve rate for these crimes further means that financial recovery for victims often depends solely on insurance coverage.

France

Reported Thefts

Official statistics point to a high volume of bicycle theft. The Service de statistique du Ministère de l’Intérieur reported 815,000 bicycle thefts and attempted thefts in France during 2022 [Source: connectedcycle.com]. This figure highlights the extensive scale of documented incidents requiring police resources and often leading to insurance claims. Another source, citing the national “Cadre de vie et sécurité” survey, indicates approximately 320,000 bicycles are officially reported stolen each year [Source: Le Monde, 2022].

Estimated Thefts

The actual number of stolen bicycles is considerably higher than official reports suggest due to significant underreporting. Sharelock’s 2019 mobility survey estimated that around 580,000 bicycles are stolen annually in France, considering victims who do not file police reports [Source: TwoRoule.com, 2023; velhome.co]. Data from VeloPerdu.fr corroborates this, suggesting recorded thefts are around 400,000 per year, but also notes that under-reporting implies a real total closer to 500,000 – 600,000 annually [Source: VeloPerdu.fr, 2025]. Some analyses indicate that only about 19% of victims file a formal complaint [Source: CC37.org, 2018; bycommute.com], and it's often cited that one in two French cyclists has been a victim of bicycle theft [Source: velhome.co; recobike.com].

Average Value of Stolen Bicycles

The average value of stolen bicycles in France contributes significantly to the economic impact. Cyclassur, an insurance-broking firm, reports that high-end electric models feature prominently in claims, with the average declared value of a stolen bicycle insured under their contracts being approximately €1,200 – €1,500 [Source: Cyclassur.fr, 2024]. The increasing theft of electric bikes, which can represent 23% of stolen bicycles and often have their batteries attached, pushes this average value higher [Source: bycommute.com]. Planetoscope notes that replacement costs average €1,000 for a city bike and over €2,000 for e-bikes, leading 20–25% of victims to abandon the idea of rebuying a bicycle after theft [Source: Planetoscope, n.d.].

Insights from Bicycle Insurance Data

Insurance data sheds light on the financial burden. A 2017 survey by the Observatoire national de la délinquance et des réponses pénales (ONDRP) found that only 7% of victims recover their bicycles [Source: CC37.org, 2018]. Sharelock’s study indicated that only about 10% of stolen bikes are recovered and returned via insurance channels [Source: TwoRoule.com, 2023]. Furthermore, a 2022 comparative study by the Fédération française des Usagers de la Bicyclette (FUB) highlighted that some insurers in France paid out more than €80 million in total for bicycle-theft claims in 2021 [Source: Réassurez-moi.fr, 2022], underscoring the substantial financial impact on the insurance sector.

Belgium

Reported Thefts

Belgian police statistics recorded 30,691 bicycle thefts in 2022 [Source: provelo.org; sudinfo.be (2024-04-11, for 2022 data)]. Other reports indicate police-recorded data showing roughly 30,000 bicycles declared stolen each year across Belgium, with notable concentrations in Brussels and Flanders [Source: Soirmag.be, 2020]. In the first three months of 2023, 5,591 classic bicycles and 757 electric bicycles were reported stolen [Source: sudinfo.be (2024-04-11, for Q1 2023 data)].

Estimated Total Thefts

The actual number of bicycle thefts in Belgium is estimated to be much higher. The national "myBike" registry platform estimates that nearly 100,000 bicycles disappear annually, suggesting under-reporting by a factor of three to four times the official figures [Source: ProVelo.org, 2024; sudinfo.be (2024-04-11)]. This discrepancy highlights a considerable unrecorded economic loss for individuals and society.

Average Value of Stolen Bicycles

The average value of stolen bicycles in Belgium, particularly with the rise of e-bikes, points to significant financial losses per incident. According to Pro Velo and insurer interviews, the average value of a claimed bicycle loss in Belgium is around €800 for regular bikes and €2,500 for electric models [Pro-Velo.ch]. The growing interest of thieves in electric bicycles, whose price can be very high, is a noted trend [ sudinfo ].

Bicycle Insurance Data Insights

Insurance data provides a clearer view of the economic impact. DEKRA's 2023 insurer survey for Belgium reports that insurers paid out approximately €45 million in 2023 for bicycle-theft claims, reflecting an average claim size of €1,150 [Source: DEKRA.be, 2023, as cited in Answer C]. AXA Belgium data reportedly shows that less than 5% of e-bike owners carry specific theft coverage, which can increase insurers’ per-claim costs when payouts occur under broader policies [Source: RTL.be, 2024]. The development of platforms like MyBike aims to counter theft and protect cyclists' property, acknowledging the economic toll [Source: provelo.org].

Netherlands

Reported Thefts

The number of reported bicycle thefts in the Netherlands has been steadily climbing. In 2024, official figures show that over 86,000 bicycles were reported stolen. This marks a notable increase compared to previous years, with reports indicating a 30% rise in thefts over the last five years. [Dutchnews,

Estimated Total Thefts

The estimated of non reported thefts is from 500,000 per year (bikefair) to 1 million per year (Iamexpat.nl) 

Average Value of Stolen Bicycles

The  The total value of stolen bikes is estimated to be 600-700 million €. 

Switzerland

Reported Thefts

Official records in Switzerland indicate tens of thousands of bicycle thefts annually. The Swiss Federal Police and PRO VELO Suisse record about 30,000 stolen bicycles per year nationwide [Source: Pro-Velo.ch, 2025]. In the canton of Bern alone, nearly 10,000 bicycle thefts are recorded annually [Source: pro-velo.ch; TCS.ch].

Estimated Total Bicycle Thefts

As in other countries, the true number of thefts in Switzerland is higher than reported. The Touring Club Suisse (TCS) notes that tens of thousands more thefts go unreported each year, with estimates placing actual thefts at around 50,000 annually when including unregistered cases [Source: TCS.ch, 2025 (vol-velos.php)].

Average Value of Stolen Bicycles

Bicycles, and especially e-bikes, are highly sought-after stolen goods in Switzerland [Source: TCS.ch (assurance-velo.php)]. While precise overall average values are not consistently provided, insurance coverage details offer an indication. Moneyland.ch reports that typical household insurance covers up to CHF 2,000 per bicycle with a deductible of CHF 200, suggesting an average bicycle insured value of approximately CHF 2,200 for such policies [Source: Moneyland.ch, 2025]. Electric bicycles (45 km/h) may not always be covered by standard household insurance due to their speed and require specific policies [Source: pro-velo.ch].

Insights from Bicycle Insurance Data

Insurance data from Switzerland reveals substantial financial payouts. AXA Switzerland paid out over CHF 22 million in 2024 for bicycle-theft claims, averaging roughly CHF 1,400 per claim [Source: AXA.ch, 2024]. TCS’s dedicated bicycle-and-e-bike policy saw member payouts of CHF 10 million for theft in 2024, under a full-replacement-value clause, highlighting the high unit cost associated with e-bike claims [Source: TCS.ch, 2025 (vol-velos.php)]. It is crucial to report theft to both police and insurance, as most insurers refuse compensation without a police report [Source: TCS.ch (vol-velos.php)].


Comparative Overview of Bicycle Theft Statistics

The table below summarizes the key economic indicators related to bicycle theft. It is work in progress, please verify the text and sources for details.

Country

Reported Thefts (Annual/Latest Data)

Estimated Unreported Rate

Estimated Total Thefts (Annual)

Typical Value of Stolen Bicycles (Majority)

United Kingdom

~66,960 (England & Wales, 2023/24)

~71%

~230,000 to 500,000+

Majority under £1,000

United States

~127,000 (2023) to 175,000 (avg.)

~63% to 90%

~1.5 to 2 million

46% under $1,000; e-bikes increasing average.

Canada

>50,000 (national estimate); Toronto: 2,974 (2022)

~50%

>60,000 (part of larger North American estimates)

46% under $1,000 CAD; e-bikes increasing average.

Ireland

8,000-10,000 (based on annual insurance claims estimates)

~60% (assumed, similar to UK/Canada)

~20,000 (extrapolated estimate)

Average insured value around €1,200.

Germany

245,900

~500.000 (1 reported to 1.5 unreported (ADFC); only 40-50% reported (WSM))

600.000
(Value 600 million €)

€1,190 (average value per insured bike)

Austria

19455



€800 - €1,200 ((average value per insured bike, insurer estimates)

Switzerland

38,322 (2021); potential rise to ~46,000 (2022)



1,000 CHF (Mobiliar); up to 2,450 CHF (AXA, esp. e-bikes)

France

~320,000 (household survey) to 815,000 (thefts & attempts, 2022)

600,000



Netherlands

86,000

500,000- 1 million

600 million €, (insurance payouts €271 million (2023))


Belgium

30000

~100,000


.



References

a.bike 28. Mai 2025
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