bike insurancein partnership with

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More than 200 bicycle shops trust Qover

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

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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 informations 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*
*Depreciation is applied from the 4th year onwards
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*
*Depreciation is applied from the 4th year onwards
It is mandatory to read the information document on the insurance policy before purchasing the contract. 

Think about your riding buddy!

Receive a gift card and give 15% of discount to your friend on his bike insurance. More informations here.

The coverage

Your theft insurance protection for your bike includes:
  • Pan-european coverage
  • Coverage during day and night, indoors and outdoors
  • Protection in case of theft, attempted theft or theft after an assault
  • Refund of the purchase price of the stolen bike during 3 years (more info)
  • Refund of your fixed accessories, included lock (more info)
Exclusions
  • The bike must be locked with an approved lock, either ABUS (security 10 or higher), VdS (A+ or B+), ART (category 2 or higher), FUB (2 wheels or higher), Sold Secure Silver (or Gold), Onguard or SRA and must have been attached to a fixed point
  • Wheels, tyres and electric batteries are not covered if they are stolen separately from the bike
  • Excess of 10% of the total insured value, with a minimum of €50 and a maximum of €200 per claim.
  • As for the 4th year, a depreciation is applied
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 send a roadside assistance to repair your bike on the spot or to tow it to your home or to a repairer.
Replacement bike
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, as long as the repair of the bike takes more than 24 hours.
Exclusions
  • The assistance guarantee is valid in Belgium and 20 km outside of the Belgium borders.
  • The cost of renting a replacement bike are limited to 15€ per day and for a maximum of 3 consecutive days.
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 (more info)
Exclusions
  • Cosmetic damage
  • Damage occurred during a participation in a speed, regularity or agility ride or competition
  • In case of claim, you must provide us with the original invoice
  • The excess of 10% of the total insured value (with a minimum of €50 and a maximum of €200)
  • As for the 4th year, a depreciation is applied
See the full list of exclusions in our general terms and conditions.
A bike insurance and assistance under Belgian law, by Qover S.A. (belgian company under Belgian law) in partnership with NN Non-Life insurance (Dutch company under dutch law) and Europ Assistance SA (French company under French law).
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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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Who is Qover?

Qover is an European insurance company that offers various insurance products, including its flagship product: bicycle insurance.

Hundreds of thousands of satisfied customers have already placed their trust in Qover.

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More and more bicycle dealers trust Qover

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Any questions? We are here for you.

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Does my insurance also apply abroad?

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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Is there a depreciation applied on my bike value?

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.

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Are my accessories covered as well?

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.

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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 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€

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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.

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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.
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.
More FAQs

In a nutshell

We pay :

  • In case of theft, attempted theft and assault
  • For damages caused by vandalism
  • For accidental damage
  • We refund without taking into account the depreciation of your bike (for the 3 first years)
  • For theft and damage to your fixed accessories
  • For the towing and transportation of your bike in case of puncture or accident
  • To rent a bicycle during 3 days

We don't pay :

  • If your bicycle was not secured by the fram to a fixed point with an approved lock
  • If the claim was caused by the policyholder
  • The excess of 10% of the total insured value (with a minimum of €50 and a maximum of €200)
  • Wheels, tyres and electric batteries are not covered if they are stolen separately from the bike
  • Cosmetic damage (scratches, bumps, etc.)
  • Damage occurred during a participation in a speed, regularity or agility ride or competition

Advice from the bike insurance experts

Do you have a specific questions ? 

We will be happy to supply 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 +32 2 541 92 01 for every emergency on the road, available 24/7

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