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Cyclist, protect your bike from theft and damages and enjoy an extra €200 cash in case of trouble.

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If your bike is equipped with a GPS tracker, we could ask you a screenshot of your application in case of theft that proves that your bike was well equipped with the GPS tracker during the theft. More information here.

Your quote for

PROMO - ...%

THEFT

...

equivalent to just
... €/month
Theft of your bicycle
... paid back during 3 years
Vandalism or accident
Full reimbursement for repairs over ...€
Total loss
0 € paid back during 3 years
Cash for the rental of a replacement bike
Rent a replacement bike after a theft or an accident (up to 200€)
Last mile emergency expense
We pay for your taxi/train after a theft or accident to complete your journey (up to 200€)
PROMO - ...%

omnium

...

equivalent to just
... €/month
Theft of your bicycle
... paid back during 3 years
Vandalism or accident
Reimbursement for repairs over ...€
Total loss
... paid back during 3 years
Cash for the rental of a replacement bike
Rent a replacement bike after a theft or an accident (up to 200€)
Last mile emergency expense
We pay for your taxi/train after a theft or accident to complete your journey (up to 200€)

Premium

PROMO - ...%

...

equivalent to just
... €/month
Theft of your bicycle
... paid back during 3 years
Vandalism or accident
Reimbursement for repairs over ...€
Total loss
... paid back during 3 years
Cash for the rental of a replacement bike
Rent a replacement bike after a theft or an accident (up to 200€ per claim)
Last mile emergency expense
We pay for your taxi/train after a theft or accident to complete your journey (up to 200€ per claim)

The coverage

Click on one of the coverage to display more informations.

Your theft protection includes:

  • Europe-wide coverage
  • Coverage during day and night, both indoors and outdoors
  • Protection in case of theft, attempted theft or theft after an assault
  • Refund of the purchase price of the stolen bike without any excess or bike value depreciation for 3 years (more info)
  • Refund of your fixed accessories, included lock
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Exclusions

  • The bike must be locked with an approved lock, either ABUS (security 10 or more), [AXA Hiplok, Kryptonite, Linka (with chain), MasterLock, texlock, Trelock] and it is a VdS approved lock of class A+ or B+, or FUB (category 2 wheels or higher) approved, or approved by Sold Secure Silver (or Gold) or by approved ART category 2 (or higher), or Onguard locks and SRA Locks
  • Wheels, tyres and electric batteries are not covered if they are stolen separately from the bike
See the full list of exclusions in our general terms and conditions.

Your material damage protection includes :

  • Material damage caused by an accident, vandalism, animals or natural elements such as flood or fire.
  • Refund of the repair cost or replacement of your bike
  • Refund of your fixed accessories, included lock
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Exclusions

  • This insurance does not insure the liability and damage to third parties that occurs from the use of the bike. This insurance is not a motor vehicle liability insurance for the purpose of the Road Traffic Acts
  • Aesthetic damage such as scratches and bumps, chipping, or rust
  • Damage occurred during the exercise for or a participation in a speed, regularity or agility ride or competition
  • In case of claim, you must provide us with the original invoice for the bike
  • The excess of €35
See the full list of exclusions in our general terms and conditions.

Emergency expense

What happens if you have an accident and you get blocked in the middle of nowhere ? 
We know how annoying it can be. That's why we'll cover up to 200€ to pay for a taxi or train to complete your journey. 

    Cash for bike rental

    You can benefit from a replacement bike, for the time between the standstill and the end of the bike's repairs at a repair shop.
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      Exclusions

      • Up to €200 per claim for emergency coverage and rental bike
      • This coverage is limited to 3 claims per year
      See the full list of exclusions in our general terms and conditions.

      Protégez votre vélo :

      Emergency Warranty

      Assistance 24h/24 & 7j/7

      La batterie de votre vélo électrique s'est vidée plus vite que prévu ou vous avez crevé votre pneu sur la route ? Nous n'allons pas vous laisser pousser votre vélo jusque chez vous !

      En cas de panne sur la route (accident, crevaison, batterie, vol, ...), nous vous envoyons un remorqueur qui vous ramènera avec votre vélo jusque chez vous ou chez un réparateur.

      Theft warranty

      Garantie vol

      Vous allez boire un verre et même en ayant bien attaché votre vélo, celui-ci se fait voler ? Nous vous le remboursons intégralement (pas de vétusté/dépréciation) après déduction de la franchise.

      Nous payons aussi votre taxi pour rentrer chez vous (jusqu'à 500 €).

      Material Damages Warranty

      Garantie dommages matériels

      Nous prenons à nos frais et totalement les réparations pour dommages matériels sur votre vélo résultant d'un accident, de vandalisme, d'inondations, d'un incendie (eg. batterie) ou d'autres éléments extérieurs si ceux-ci dépassent le montant de la franchise.

      Nous savons que vous n'allez nulle part sans votre vélo, c'est pourquoi nous vous remboursons, les frais de location d’un vélo de remplacement, à concurrence de maximum 15 EUR ttc par jour et durant maximum 3 jours consécutifs.

      Exclusions

      • Les dommages résultant de la participation à une compétition sportive ne sont pas couverts.
      • Voir la liste complète des exclusions dans nos conditions générales.
      Une assurance vélo et assistance soumises au droit français et développées, par Qover SA (société belge soumise au droit belge) en partenariat avec NN Non-Life Insurance (société hollandaise soumise au droit néerlandais) et Europ Assistance SA (société française soumise au droit français).
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      Fast, intuitive and 100% digital

      No paperwork

      Everything is done online and your insurance subscription takes less than 3 minutes.

      If you'd like, you can be insured from the next day. 

      Quick and intuitive claim forms

      You already have a lot to deal with when something happens to your bike, so we do our best to make the claim process as simple as possible.

      Don't want to extend your contract? Just send us an email

      We are sure you will be more than satisfied with our coverage, but if for any reason you do not want to extend your contract, just send us an email. No need to send us a registered letter or to call a premium phone number.

      In a nutshell

      We pay :

      • In case of theft, attempted theft and assault
      • For damages caused by vandalism
      • For accidental damage
      • We refund the bike value without taking into account the depreciation of your bike (for the 3 first years)
      • For theft and damage to your fixed accessories
      • For your taxi/train after a theft or an accident to complete your journey and/or for a bike remplacement during the immobilization (up to €200)

      We don't pay :

      • If your bicycle was not secured by the frame to a fixed point with an approved lock
      • If the claim was caused by the policyholder
      • The excess of 35€ for the material damage
      • Wheels, tyres and electric batteries are not covered if they are stolen separately from the bike
      • Cosmetic damage (scratches, bumps, etc.)
      • Damage occurred during the exercice for or a participation in a speed, regularity or agility ride or competition
      • This insurance does not insure the liability and damage to third parties that occurs from the use of the bike. This insurance is not a motor vehicle liability insurance for the purpose of the Road Traffic Acts

      Any questions? We are here for you.

      See details
      What kind of bicycles are covered?

      A two or three-wheel vehicle which can be moved only by muscular effort (with or without a mechanical auxiliary motor) and can remain so, provided that the speed of the auxiliary motor does not exceed 25 km/h, if applicable. We do not believe that the effectiveness (autonomous steering up to 10 km/h) is such as to alter the general character of the bike.

      A second-hand or new bike that is less than 5 years old at the time of purchase of the insurance.

      We cover bike from 250€ to 10.000€

      See details
      What is theft insurance?

      We insure bikes against theft and damage caused in the event of theft or attempted theft, as well as theft or attempted theft caused by assault. If your bike is stolen, we will reimburse you after deducting any excess and depreciation. No depreciation is applied to the compensation calculation during the first 36 months (3 years) of the bike. As from the 37th month, a depreciation is applied. The minimum amount of compensation is set at 50% of the insured value as shown in the table of benefit in the terms and conditions and policy schedule.

      See details
      What is material damage insurance?

      We intervene in the event of material damage to the insured bike:

      • accidentally caused to the insured bike by external forces or accidentally caused by yourself;
      • caused by an act of vandalism;
      • caused by contact with animals or natural elements such as fire or flood.

      We will reimburse you for the cost of repairs after application of any excess and depreciation. No depreciation is applied to the compensation calculation during the first 36 months (3 years) of the bike. As from the 37th month, a depreciation is applied. The minimum amount of compensation is set at 50% of the insured value as shown in the table of benefit in the terms and conditions and policy schedule.

      See details
      What are my obligations?
      • The bicycle must be locked with a either ABUS (security 10 or more), [AXA Hiplok, Kryptonite, Linka (with chain), MasterLock, texlock, Trelock] and it is a VdS approved lock of class A+ or B+, or FUB (category 2 wheels or higher) approved, or approved by Sold Secure Silver (or Gold) or by approved ART category 2 (or higher), or Onguard locks and SRA Locks AND used in accordance with the manufacturer's instructions. The bike must ALSO be locked to a fixed point (e.g. a post) at the time of the theft. Examples of approved locks here. 
      • You must file a statement concerning the theft of your insured bike with the relevant police authorities within 24 hours of the incident.
      • You must supply the purchase invoice of your bike when filing a claim for compensation.
      • You must file your claim as soon as possible after the incident and within 8 days of the time when you became aware of the incident.
      • The information you supply when taking out the policy must be accurate.
      • If the bike is more than 30 days old, you must supply photographs when taking out the policy.
      See details
      What is Emergency expense?

      The guarantee applies when the insured is immobilized and unable to complete his journey with the insured bike due to a: 

      • Accident
      • Theft
      • Vandalism
      • Bodily injury consecutive of the use of the bike

      We cover, during the entire duration of the immobilization of the bike or insured's immobilization,  the bike rental or travel costs incurred, to go the place where the insured needs to go and then the return to the insureds residence or the residence designated by him;

      We pay for this guarantee based on supporting documents and up to a maximum € 200 per claim.

      This guarantee is limited to 3 claims per insurance year.


      More FAQs

      Advice from the bike insurance experts

      Do you have a specific questions ? 

      We will be happy to give any details concerning your bike insurance policy and its benefits. Our team is available to answer all your questions from Monday to Friday, from 9am to 4pm.

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