More than 200 bicycle shops trust Qover

The theft and property damage guarantees are valid in the event of a claim in the countries of the European Union, the United Kingdom, Northern Ireland, the principalities of Andorra and Monaco, the Vatican City, Iceland, Liechtenstein, Norway, San Marino and Switzerland.

The assistance guarantee is valid in Belgium and 20 km outside the borders of Belgium.

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No depreciation is applied to your bike value during the first 36 months (3 years). So for the first 3 year, you will receive the full value of your bike, minus the deductible.
At the beginning of the 4th year, the compensation will be 75% and at the beginning of the 5th year, it will be 50%.

Don't forget that the insurance contract will be terminate after four tacit renewals, i.e. at the end of the fifth insurance year. This way, you are not insured for too long and the insurance is always adapted to your needs.

Yes. When there is a theft or damage, the fixed accessories that are included in the insured limit are covered. The accessories have to be firmly fixed to the bike to be insured. Portable bike related accessories (e.g. bike computers and/or navigation equipment), which are easily removable, are excluded from the coverage in case of theft. 

The wheels, tires, battery or not insured accessories are not covered if they are stolen separately.

You are not sure about your insured limit? You can check this FAQ or contact us.

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 12 months old at the time of purchase of the insurance, except in the case of revaluation.

We cover bike from 250€ to 10.000€

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.

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.

• 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.