Theft and damage cover included
Your Torks subscription includes cover for defined theft and damage events, with a 0 CHF deductible.
What is covered
The cover applies when the stated security and reporting conditions are met.
- Forced or aggravated theftThe bike must be locked by its frame to a fixed object. A police report is required.
- Accidental damageAccidents, falls, vandalism, attempted theft, and battery damage are covered.
- Mobility guaranteeIf repair is not possible, a replacement bike is provided within 72 hours.
What is not covered
Simple theft without force, an unlocked bike, and damage caused by neglected maintenance are excluded.
What to do after a theft
- 1. File a police reportReport the theft to the police immediately.
- 2. Contact TorksReach support through your account or by email.
- 3. Share the report numberSend us the police report number so we can process the case.
Common questions
The deductible is 0 CHF for covered events.
No. Theft without force, including an unlocked bike, is not covered.
Summary reviewed on 24 July 2026. Read the terms