BIKE INSURANCEin partnership with
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Over 20,805 bicycles are stolen in Austria every year

Protect your bike from theft and material damages and enjoy 24/7 assistance in case of emergency.

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The insured value is the value of your bike, the fixed accessories you add to the bike and the lock. Take into account the VAT.
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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

PROMO - ...%

THEFT + ASSISTANCE

... €/year

... €/month
Theft of your bicycle
... paid back during 3 years*
24/7 assistance
Towing your bike in case of puncture or accident
Vandalism or accident
Full paid back for repairs over ...
Total loss
0 € paid back during 3 years*
Wear and tear
Paid back for wear and tear of technical parts
*As for the 4th year, a depreciation is applied
PROMO  - ...%

Omnium

... €/year

... €/month
Theft of your bicycle
... paid back during 3 years*
24/7 assistance
Towing your bike in case of puncture or accident
Vandalism or accident
Full paid back for repairs over ...
Total loss
... paid back during 3 years*
Wear and tear
Paid back for wear and tear of technical parts
*As for the 4th year, a depreciation is applied
It is mandatory to read the information document on the insurance policy before purchasing the contract. 

How do we help to protect your bike?

24/7 assistance

Your electric bike’s battery ran down faster than expected or you had a puncture on the road? You don’t have to push your bike all the way home!

If you have trouble on the road (accident, puncture, battery, theft, etc.), we come and take your bike to a repairer free of charge, and if necessary, we take you home or wherever you needed to go by bike.

Theft protection

You went for a drink, and although you locked your bike properly it’s been stolen? We refund its full value. No excess and no depreciation of your insured limit during 3 years.

We also pay for your taxi home (up to €500).

We've got your battery's back! 24/7 battery protection when it's stolen separately, because we know how electrifying theft can be.

Material damage protection

We pay for repairs to your bike further to material damage caused by an accident, vandalism, flood, fire (e.g. battery) and other external events after applying the excess of 35€.

We know that you cannot do without your bike, this is why we will reimburse you, the cost of hiring a replacement bike, up to a maximum of 15 EUR including all taxes per day and for a maximum of 3 consecutive days.

Wear and tear

Your battery doesn't last long enough anymore? Your brakes stopped working properly? We will pay for the replacement of the broken technical parts during 3 years, without depreciation or excess. 

Exclusions

  • For the theft coverage to be valid, you must use a certified bike lock and attach your bike to a fixed object.
  • Wheels, tyres and electric batteries are not covered if they are stolen separately from the bike.
  • Esthetic damage (scratches, bumps, etc.) is not covered.
  • Damage further to participation in a cycle race is not covered.
  • The depreciation as for the 4th and 5th year.
  • In case of repairable material damage, an excess of € 35 shall be applied per claim.
  • See the full list of exclusions in our general terms and conditions.
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Any questions? We are here for you.

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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€

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Where am I covered?
  • Theft and material damage cover is valid in the countries of the European Union, in the United Kingdom of Great Britain, in the principalities of Andorra and Monaco, in the Vatican City, Iceland, Liechtenstein, Norway, San Marino and Switzerland.
  • The assistance guarantee is valid in Austria (and 20 kilometers outside the Austrian borders). The coverage of this section applies when the bicycle is out of use on a road that is accessible to the public.
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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.

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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.

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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.
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Can I cancel my insurance?
  • You can cancel the insurance contract within 14 calendar days of taking out the contract or receiving it.
  • You can cancel your insurance at each annual expiry date. To do so, you must inform Qover at least 10 days before the expiry date.
  • As from the second year of insurance you can cancel the insurance anytime for any reason.
  • You can also cancel the insurance contract after a claim up to the end of one month since the conclusion of the negotiations on the compensation. You must inform Qover by registered letter or email to bike@qover.com

More FAQs

Advice from the bike insurance experts

Do you have a specific question? 

We are happy to advice you on 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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Call the +43 1 263 2975 for every emergency on the road, available 24/7

FAQ relating to bike insurance

Legal mentions

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Deductible

To keep premiums down, we apply a deductible of 10% of the bike’s value with a minium of 50€ and a maximum of 200€.

This means that if a bike is worth €2000 the amount of the deductible is only €200.

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Excess

If the cost of the damage exceeds the amount of the excess*, we pay for the damage that exceeds it.

*The excess is 35€.

For instance, if you purchase a €1,000 bike, the amount of the excess is €35.

  • If the estimated amount of the damage is €30:You pay for the repairs yourself as they cost less than the amount of the excess.
  • If the estimated amount of the damage is €500:We pay 500€ - 35€ = 465€.