General Cycling Discussion - bike insurance in Germany

i'm an American in Germany and i'm looking for bike insurance recommendations:

main priority is i want to cover my bikes from theft. currently 3 (hardtail, road bike, old mountain bike turned commuter not worth much) and about to buy my 4th ('02 Specialized Stumpjumper FSR XC Comp - €2500)

i don't have a car and i ride my bike 500-1000km/month and it's my primary transportation. i already have liability insurance and obviously health (private). If i have an accident and i'm found at fault, does my liability insurance cover my expenses? (it's a standard policy i think). Do i need any special bike insurance?

in the US, i had renters insurance which also covered theft of my bikes (with $250 total deductable). I've considered renters insurance too but someone told me that in Germany it won't cover bike theft... anyone know here? plus in the US, my auto insurance also covered some things while riding my bike...

obviously the best would be cheap renter's insurance for like €20k coverage (most of my stuff is in storage in the US) that would also cover bike theft...

and if there is some really cheap cycling insurance that covered accidents that would be good too - i wouldn't think this would be too expensive as bikes just don't cause as much damage as cars... but in the US it's hard to find something like that as far as i know b/c the market is so small b/c everyone has a car --- but in Europe there are more carfree people that rdie bikes...

i found some info w/ ADFC Allgemeiner Deutscher Fahrrad-Club e.V (http://www.adfc.de/versicherungen/rechtsschutz/) on the web and they have a bunch of insurance stuff but i haven't read it yet -- reading long insurance legal crap in English is hard enough and German is even more difficult!

so, i could probably search long and hard and have fun reading German insurance rules, but maybe someone can help me out with some recommendations... (also reluctant to call an agent b/c they'll always tell you everything you NEED b/c they want to sell more insurance)

-Nathan

Nathank, funnily enough I looked into mine the other week. All my bikes are covered on the household insurance against theft or criminal damage. (I've already claimed twice!).

I looked purely because I' didn't know whether I was insured whilst racing. It turns out that I am as it says in the small print that sports and compititions are covered.

However, going to and from work, I am covered by my workplaces' insurance for madical costs. My household insurance will also pay liability costs if I happen to cause a crash or damage up to DM4,000,000 (now it will be around Eur 2,000,000).

I used to be a member of Radclub Deutschland, who for roughly DM100 per year will insure you and your bikes fully comprehensive aginst theft and accidents. They also send you a handfull of magazines every year and a few good offers to members. I quit because I was covered on my household insurance (Allianz, by the way).

Here's the website (http://www.bva-bielefeld.de/radclub/)

Just look under "Mitgliedschaft"

Good luck :)