trike-x-press offers Linexo and Alteos. This comparison covers three policies from these two providers: Linexo Komplettschutz, Alteos Komfort and Alteos Premium. We do not offer ENRA.
Selected cover differences
| Feature | Linexo Komplettschutz | Alteos Komfort | Alteos Premium |
|---|---|---|---|
| Core cover | Theft and insured repair damage | Theft and insured repair damage | Theft and insured repair damage |
| Wear | Included; for used bikes generally from contract month 7 | Specified components, up to €150 per insurance year; no battery wear | Broader component list; up to two wear claims per insurance year |
| Battery wear | From month 13; capacity at most 60% | Not included | Below 50% in the first three years, below 40% thereafter |
| Important limit | Bike purchase price up to €15,000 | Component-specific conditions and limits | Insured value up to €20,000; up to two repairs per year |
| Repair process | Follow the Linexo claims procedure | Reimbursement subject to conditions | Normally through the original supplying dealer |
This is a selection of features, not a complete coverage description. For a trike, check the treatment of its chain, brakes, specialist pedals, gears and other fitted equipment. Routine servicing is not the same as an insured repair.
Annual price examples for new electric trikes
| Example value | Linexo Komplettschutz | Alteos Komfort | Alteos Premium |
|---|---|---|---|
| €7,500 | €259 / year | €265 / year | €290 / year |
| €10,000 | €309 / year | €285 / year | €310 / year |
| €12,500 | €359 / year | €335 / year | €360 / year |
Assumptions: new electric trike for private use, annual payment, no GPS or security discount included. Linexo prices come from the public rate table. The Alteos calculator was set to “Dreirad”, purchase date 22 September 2026, start date 7 October 2026 and purchase value including accessories and lock. These rounded values are examples, not selling prices for named trike models.
These are public German-market examples, not binding trike-x-press dealer quotations. Eligibility, residence, use, accessories, purchase date and sales channel need checking for the individual contract. Do not apply these figures automatically to used bikes, leased bikes or speed pedelecs.
What to check for your trike
- Declare the bike and fitted equipment at the correct value under the policy rules.
- Check wear limits for the actual drivetrain, tyres and brakes.
- Follow the required locking and anchoring conditions.
- Confirm recovery arrangements for the actual dimensions and weight.
- Obtain any required claim approval before arranging a repair.
A GPS discount does not automatically include hardware or a tracking subscription. Linexo pick-up assistance has conditions, including a minimum distance of 3 km from home or the starting point; a merely depleted battery is excluded. Alteos Premium allows one replacement following theft or total loss during the contract; the policy then ends.
Choosing between the policies
Frequent riders should compare wear limits as carefully as the premium. For a high-value trike, also look at the insured value, settlement method, security requirements and repair process. First check any cover already included in a lease or membership. For an individual comparison we need the trike model, purchase date, value, equipment and intended use.
Sources
Checked on 22 September 2026. The linked conditions are in German.
Photo: trike-x-press/Frank Möller.