ENRA | Die E-Bike-Versicherung

What ENRA | Die E-Bike-Versicherung does

ENRA GmbH is a German Versicherungsvermittler (registered insurance broker) that specializes exclusively in E-Bike and bicycle insurance, distributing through its own website (enra.eu) and a growing network of qualified specialist dealers (Fachhandelspartner) across Germany. The company is headquartered in Kaarst, Nordrhein-Westfalen, and operates as a wholly-owned subsidiary of Dutch insurer N.V. Schadeverzekering-Maatschappij Bovemij, which is registered in Nijmegen and serves as the primary insurer and risk carrier for all ENRA products. ENRA is registered with the German insurance broker register (Vermittlerregister-Nr. D-957P-A8LA0-98) and holds full authority from Bovemij to issue policies, collect premiums via SEPA direct debit, and adjust claims on the insurer's behalf.

The product portfolio is organized into three core end-customer tariffs (Rundumschutz Plus for new E-Bikes up to 6 months old, Rundumschutz for used E-Bikes, and Rundumschutz for bicycles and bicycle trailers), assembled from modular coverage components: theft and vandalism protection, repair protection, technology protection (battery and electronics), wear coverage, Europe-wide 24/7 pick-up service via a partner, and legal consultation. Maximum insured values are capped at €10,000 for E-Bikes and €6,000 for bicycles, and policies are available only to individuals with a primary residence in Germany. The technology stack is a digital self-service platform — online tariff calculator, online contract management, online Schadenmeldung (damage reporting), and a partner portal that lets dealers submit claims directly with most receiving immediate approval — hosted on Microsoft Azure West Europe (Netherlands) and integrated with Google Maps for dealer locator and Google Analytics for site analytics. No mobile app, API, or proprietary AI/ML capabilities are disclosed.

ENRA generates revenue primarily through recurring insurance commissions earned as a broker on premiums paid by policyholders (annual or monthly SEPA direct debit), with the underlying risk carried by Bovemij. The company serves two primary segments: individual E-Bike and bicycle owners (B2C) and specialist bicycle dealers (B2B channel partners). With only 13 employees, ENRA operates a highly automated, capital-light intermediary model. The company claims over 1 million customers and 40+ years of insurance specialization, and maintains a 4.8/5 Google rating across 310 reviews. No external funding rounds have been disclosed; ownership is 100% strategic via Bovemij.

Name

ENRA | Die E-Bike-Versicherung

Legal name

ENRA GmbH

Website

https://enra.eu

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

ENRA GmbH is a German insurance broker specializing exclusively in E-Bike and bicycle insurance, distributing three core tariffs (Rundumschutz Plus, Rundumschutz for used E-Bikes, and Rundumschutz for bicycles) via its website and a specialist dealer network to individual consumers in Germany, with all policies underwritten by its Dutch parent, Bovemij.

Ownership category

akta.pro rank

Product category

Specialty Insurance (E-Bike and Bicycle)

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

E-Bike Retail (CRAMAHAE)

Keywords

• E-Bike insurance
• Bicycle insurance
• Insurance brokerage
• Specialist dealer network
• Two-wheeler coverage

Headquarters

HQ city

Kaarst

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Insurance Premiums: ENRA generates revenue through recurring insurance premiums paid by policyholders for E-Bike and bicycle insurance coverage. Premiums can be paid monthly or annually via SEPA direct debit. For E-Bike insurance with 1-year term, customers can choose annual or monthly payment. For bicycle insurance, monthly payments include a surcharge making them more expensive than annual payment when calculated annually. The company acts as an insurance broker (Versicherungsvermittler) earning commissions from the primary insurer.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels7 records

Core offering

ENRA GmbH is a specialized German insurance broker (Versicherungsvermittler) selling modular E-Bike and bicycle insurance products directly to consumers via its website and through a network of qualified specialist dealers. Coverage includes theft, partial theft, vandalism, repair, battery/electronics, wear (for new E-Bikes), legal consultation, and a Europe-wide 24/7 pickup service, with new-for-old replacement and no deductible.

Product overview

ENRA is a specialized E-Bike and bicycle insurance intermediary offering three core insurance products: Rundumschutz Plus (for new E-Bikes with wear coverage), Rundumschutz for used E-Bikes, and Rundumschutz for bicycles. All products are modular in structure, combining theft protection, pickup service, repair protection, and technology protection as core components, with legal consultation as an additional module for bicycle insurance. The insurance portfolio is distributed through specialist bicycle dealers and the company's website, with coverage limited to Germany-based policyholders for bikes not older than 6 months from purchase date, with maximum insured values of 10,000 EUR for E-Bikes and 6,000 EUR for bicycles.

Differentiator

Problem solved

Functional benefit

Products and services

• ENRA Rundumschutz Plus Comprehensive insurance product for new E-Bikes (up to 6 months old from purchase), combining theft and partial theft protection, vandalism cover, Europe-wide 24/7 pickup service, repair protection, battery/electronics technology protection, and wear coverage (including battery wear after the 7th month when capacity falls below 50%). Maximum insured value of €10,000; available to German residents.
• ENRA Rundumschutz (E-Bike) Insurance product for used E-Bikes (older than 6 months, sourced from specialist dealers) covering theft, partial theft, vandalism, Europe-wide pickup service, repair protection, and technology protection including battery defects and electronic damage. Maximum insured value of €10,000; available to German residents.
• ENRA Rundumschutz (Fahrrad) Insurance product for new bicycles, used bicycles, and bicycle trailers covering theft, partial theft, vandalism, Europe-wide pickup service, repair protection, and legal consultation via partner bikeright. Maximum insured value of €6,000; bike must be under 6 months old at purchase; available to German residents.

Quantifiable outcome

• In 4 out of 5 cases, dealers receive immediate approval for repair or replacement authorization
• +2 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Three partnerships are on record, tiered core and supporting.

• N.V. Schadeverzekering-Maatschappij BovemijcoreOthersBovemij serves as the primary insurer (Erstversicherer) and risk carrier (Risikoträger) for all ENRA E-Bike and bicycle insurance products. The Dutch insurance company is headquartered in Nijmegen, Netherlands (Takenhofplein 2, 6538 SZ Nijmegen). Bovemij also holds 100% ownership stake in ENRA GmbH.
• ROLAND Schutzbrief-Versicherung AGsupportingOthersROLAND Schutzbrief-Versicherung AG (Marie-Curie-Str. 8, D-51377 Leverkusen) serves as the risk carrier for the ENRA Pick-Up-Service component of the insurance products, providing 24/7 roadside assistance and transport services.
• bikerightsupportingImplementation/ SI/ Consulting PartnerENRA partners with bikeright and their lawyer network to provide customers with free initial legal consultations (Rechtsberatung), particularly after traffic accidents. The partner connects customers with specialized lawyers.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Laka: UK cycling insurance specialist using a mutual-style payout model for bicycle theft and damage. Comparable to ENRA in target customer (individual cyclists) and digital-first claims experience, but operates a different risk-pooling model.
• Hepster: German InsurTech offering specialty coverage including bicycle and E-Bike insurance with embedded and broker models. Comparable to ENRA as a German specialty InsurTech partner; partial overlap in E-Bike offerings with differentiated tech-forward distribution.

Regional players

• Velosurance: US bicycle insurance specialist covering theft, crash, and damage for cyclists. Comparable to ENRA in product specialization on the cycling category, modular coverage, and direct-to-consumer online purchase flow.
• Bikmo: UK-based specialist bicycle and E-Bike insurance provider offering annual policies to individual cyclists and corporate schemes. Comparable to ENRA in product focus, vertical specialization, and digital-first brokerage model, but operating in the UK market.
• PedalSure: UK specialist bicycle insurance provider covering theft, accidental damage, and personal accident. Mirrors ENRA's specialist E-Bike/bike focus with modular coverage, but serves UK policyholders.
• Sundays Insurance: UK-based specialist offering bicycle and motorcycle insurance through dealer partnerships. Comparable to ENRA in its dealer-network distribution model and category-specialist positioning, but focused on UK and motorcycle adjacencies.

Broad incumbents

• Allianz Versicherung: One of Germany's largest general insurers, offering bicycle and E-Bike insurance as part of its broader household and personal lines portfolio. Comparable to ENRA as a competing provider of E-Bike insurance, but with non-specialized products and a much wider distribution footprint.
• ARDAG (Arag) Versicherung: German insurer with broad specialty lines including legal protection and bicycle coverage. Comparable to ENRA in providing legal-advice add-ons (bikeright partnership) and bicycle insurance, but as part of a broader portfolio rather than a specialist focus.
• R+V Versicherung: Major German general insurer offering bicycle and E-Bike insurance through its digital "Feel Secure" brand. Comparable to ENRA in policy offerings but lacks the dealer-led specialist positioning and E-Bike-specific underwriting.

Direct peers

• WERTGARANTIE Versicherungs AG: Germany's leading specialist bike and E-Bike insurance provider, also distributing through specialist dealers and direct online channels. It is the most direct competitor to ENRA in the German E-Bike insurance niche with overlapping product features and dealer-led distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/enraversicherung
• LinkedInlinkedin.com/company/enra-die-e-bike-versicherung
• Instagraminstagram.com/enraversicherung

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ENRA | Die E-Bike-Versicherung