hepster Reviews 

Fast action after filing damage report. The customer support was friendly and positively reviewed my claim for wear and tear of my bicycle parts.

I had a bike insurance with them. I wanted to report a damage and it said that the insurance had been cancelled - without providing any reason or notice, particularly given that they had charged me with the annual premium just a couple of months ago.

This company makes themselves out to be friendly and easy on the website and is clearly keen to take your money. However the moment you make a claim the problems start. I had a bike accident in July and there has been repeated hold ups with the claim. Awful communication and constantly changing list of what you actually need. After the accident I phoned immediately to ask what I needed. Got everything that was asked for and then weeks later I'm told I need other documents. Finally the claim is sorted but they will only give me the money for a new bike once they collect my old bike!!!! This is not normal. Can I keep the upgrades I made on my old bike?? Who knows. No reply. No chance of getting a straight answer. Avoid like the plague. Worst experience ever.

They were helpful and replied to me always clear and fast. Would sign with them again!

The damage was reported after the waiting period, but they claim that it happened within the 6-week waiting period,so at the end of the 6th week!so the repair of the damage could not be paid.I could have practically reported it later :) but theoretically,according to reviews,they don't pay for damages,but they also need dishonesty,it's really funny. But a good attempt to make money without putting in much effort as an insurance company

I am happy with the fact that I can get someone on the phone any time and get an update. But after 6 months I have not seen any feedback as to when the claim will be actually be worked on (explanation : backlog)

6 months is a long time even for a insurance company !!

Ticketnummer #185606

SCAM and extortion. They will do anything not to cover any costs.

SCAM (Hepstar)
avoid that company at all cost it's not worth it we just wanted to cancel the policy and we bin transfer from one to other one unfortunately the know only to take the money but when the time to return the money I will say good luck as well can't communicate with a person only via email it's so frustrating big advice stay away

(Also you send message to call I will say LOl because no way to get some one on the phone as well I am calling international calls you want to talk reply to my email you want the review fixed refund the money. )
That's the refrence # EXT-20240414-959

The worst company of insurance that you can imagine.They will not give you even the money that you pay them,let alone the amount of your bicycle.A illegal company.
Ticketnummer #178226
5 Months ,after 5 months i receive 66 euro,that is not even the money that i pay for insurance.My bicycle was 750.
Explain me how is this possible?
I don’t know why even i speak here with you,i don’t have with how to speak,just want people know what company is this.

SCAM: will not insure items and refuses to respond to emails about claims and just takes monthly payments. Been waiting over 6 weeks to get an email response contacted them 6 times.

edit: They replied me in the end and my case is resolved. I guess they were too busy at that time.

5 months ago, my bike got stolen. I was insured with Hepster for about 6 months.

Hepster is doing nothing but delaying me. No answers to my emails.

Avoid this company. They only want to delay you. The other insurance companies are a lot better compared to this one.

Ticketnummer: 172476

Ticketnummer 126108

Had to fight for almost a whole year. Every time I submitted a document, they asked for other stuff. In the end I was given only 50% of the sum because I didn’t have a receipt for the lock. I tried to reason with them, that having a receipt doesn’t mean that the cycle was locked. Or that even that receipt is from my purchase. Furthermore, while this was happening they even tried to force me to pay for the next year’s subscription. I flatly refused and told them it would be best for them to keep their end of the deal and do their job like the rest of us.

Absolutely maddening service. It shouldn’t come to this. Sub-par and dim-witted at best. Please avoid and get yourself a competent insurance provider.

In case of doubt read the myriad other reviews here. L

NOT TO BE TRUSTED - SCAM ALERT
I took a full bike insurance with them in Jan 2022 to protect against theft.
Got robbed twice (Nov 2022, Jan 2024). Got 0€.

First claim was denied because I could claim from my house insurance (but a) only a limited amount and b) it allowed that insurance to terminate our contract prematurely so I had to contract a new one at a higher premium)

Second claim, this time I contacted my house insurance first and when I got their reply contacted Hepster and was told it was too late.

To top it all off, I am now paying a full year of insurance despite my bike being gone...

I took this insurance for my kitten a few months ago, after he had a accident during playing where he injured his penis and had blood in his urine. Due to that I had to do a urine sample and in October (before the insurance started of course) and got some medication for my cat and it all healed nicely.

A month later I did a routine check-up for my kitten before his castration for which the vet did another urine sample. The test showed that the PH levels where lightly increased and I got some medication for it. Naturally I forwarded those bills to Hepster and wanted them reimbursed but guess what? Hepster now claims that this was a "known illness" from way back in October and have refused my request to pay for urine sample + medication. How convenient for them. Just because my kitten had an urine-related injury before I had the insurance they can now use this as an excuse to pay for ANY urine-related issues.

I e-mailed them back to explain that it's a misunderstanding and that what they claim to be a "known illness" was just an injury. The increased PH-values in the urine are something new and unrelated which was not known prior. After 3 weeks, I basically just got the same standardized response claiming once again it was "known" and will not be covered.

I honestly feel like I'm being completely scammed. We are not even talking about huge amounts of money. I'm paying 30€ of insurance every month and they are not even willing to cover costs from a routine "Harnschtreifentest" for 10€. Like what? On top of that, the service is slow to answer (3-4 weeks) and are clearly just looking for convenient ways to not having to pay.

At this point I am not even sure if Hepster will ever pay for any routine checkup for my cat in the future because now they can always refer to this one injury and claim it was "known before". What is circus is this?

Someone stole my cycle worth 250€ at bahnof, however I was lucky that I had Hepster cycle insuarance. I reported to the police and hepster on the same day and after receiving the police report, I forwarded all documents to hepster. I received total amount of my cycle along with insured accessories within 1.5 months. Really happy with the service.

I bought their travel health insurance for a year @ > 1000 Eur. I submitted a simple claim for 50 Eur, got a standard response, but they never paid. I called and emailed several times, but they only give excuses and say please wait. This is fake insurance

SCAM!!!! Did not honour my bike insurance

Been a customer and paying insurance for over a year. Submitted a claim (158821) and all documents and paperworks and proofs.

NO REPLY, NO REIMBURSEMENT, NOTHING.

What a scam. Paid hundreds for this crap and lies. Total scammers

Edit: 12/01/2024 - Still crap, total scam, customer support didn't reply to my follow up at all. 0% DO NOT USE HEPSTER

I have their phone insurance and recently experienced their horrible performance after an accident with my phone. After almost one month, I still haven't received a repaired or replaced phone!

They are a reseller for Helvetia. Please go ahead and see Helvetia's reviews before making a decision.

They charged me a deductible of 55 EUR (for a sub-500 EUR phone) before even allowing me to file my claim. I have spent the last few weeks arguing with their customer service, Helvetia and their repair shop, and still haven't received a working phone!

Naturally, I had to go out and buy a new phone after a week, because you can't live and work for a month without a phone. They don't even give me any status updates to know how much longer I have to wait.

In the end, this ended up being costlier for me than if I didn't have any insurance for the phone. I could have gone to a (competent) repair shop myself, get a diagnosis, and would probably end up paying the same amount or less as I have paid as premium and deductible for a quick and painless repair.

Now I have paid all the fees, and still had to go out and buy a new phone. After one month, it is now not a question of "when", but "if" they ever give me a working phone back!

Very effective insurance which treated our stolen bike very quickly.

Marie was very nice and very clear in our email exchange.