Tenant Rights: Bicycle Theft and Tenant Law in Germany

What tenants need to know

After a bicycle theft tenants in Germany should act systematically: document, report to the police and inform insurers. Tenancy law regulates landlord duties regarding security measures and possible tenant claims; contractual agreements in the lease may add details. For court actions the Code of Civil Procedure applies and civil claims are based on the BGB.^[1][2]

Immediate actions

1. Document the place, time and circumstances of the theft and take photos of the lock or any traces.
2. File a police report immediately and request a report/reference number.
3. Contact your liability and household (contents) insurance quickly to clarify claims and required forms.

Evidence preservation

Good evidence increases chances with insurers and in disputes: photos of the parking spot, timestamps, damage to the lock, purchase receipts and frame numbers. Ask neighbors or building staff about cameras or witnesses. Note whether the bike was stored in a cellar or hallway where others have access.

Insurance & forms

Check whether your household insurance covers bicycle theft outside the home and what deductible applies. Liability insurance only covers claims if a third party acted culpably. Insurers generally require a completed claim form, the police report and proof of purchase.

Example: Students should include the frame number and purchase receipt when filling in the insurer's claim form; this speeds processing.

Forms (examples and use)

• Claim form to the household insurer: use your insurer's form, attach the police report and purchase receipt and submit within the insurer's deadline.
• Police report: the police report serves as proof for insurers and authorities; ask for a written confirmation.

Court actions and local court

If claims are denied and a claim for damages exists, you may file suit at the competent local court (Amtsgericht); many tenancy disputes are handled there. The Code of Civil Procedure (ZPO) governs how to file claims and which deadlines apply.^[2]

FAQ

What should I do immediately after a bicycle theft?

Document the loss, file a police report and inform your household and/or liability insurance as soon as possible.

Does household insurance cover my bike outside the home?

It depends on the tariff and conditions; check your policy or contact your insurer about the exact coverage.

Can the landlord require me to store my bike in certain places?

The landlord can set reasonable house rules; however, they must not unreasonably restrict the use of the rented property. In disputes the local court can decide.

How-To

1. Secure evidence: photos, receipts and frame numbers.
2. File a police report and note the case number.
3. Notify household and liability insurers, complete the claim form and attach proofs.
4. If necessary review legal options and consider filing a claim at the local court.

Help and Support / Resources

• German Civil Code (BGB) – gesetze-im-internet.de
• Federal Court of Justice (BGH) – bundesgerichtshof.de
• Police – Information on filing reports (polizei.de)

1. [1] Bürgerliches Gesetzbuch (BGB) – gesetze-im-internet.de
2. [2] Zivilprozessordnung (ZPO) – gesetze-im-internet.de
3. [3] Police – Information on filing reports (polizei.de)