Qover offers you this bike insurance in partnership with
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I want to insure my
for which I paid € for bike, fixtures and lock.
The amount to be indicated is the cost of the bike, the cost of any fixed accessories you add to the bike and the anti-theft device. Include VAT. More info
If your bike is equipped with a GPS tracker, we may ask you for a screenshot of your application in the event of theft to prove that your bike was indeed equipped with the GPS tracker at the time of theft.More info
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).
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 and 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.
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%.
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€.
What is theft insurance?
We insure against theft and damage to the insured bicycle in the event of theft, attempted theft or theft or attempted theft following an assault.
We also cover battery theft even if the bike itself is not stolen (for example, if your home is broken into while your battery is charging).
What is material damage insurance?
Material damage insurance reimburses you for repairs or replacement of your bike (and accessories included in the insured limit) following unintentional or accidental damage, vandalism, flooding, fire, animal strikes and more.
Please note that we do not reimburse for cosmetic damage such as scratches or dents, or if the damage results from participation in a cycle race.
In the event of a claim, you must email us the dealer's original receipt, otherwise we will reject the claim.
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.
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. 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.
This insurance policy is managed by Qover S.A., a non-tied insurance agent authorised and regulated by the Financial Services & Markets Authority (FSMA - Belgium - registration No. 0650.939.878). Registered office: Rue du Commerce 31, 1000 Brussels, Belgium.
Nationale-Nederlanden Schadeverzekering Maatschappij NV under Dutch law, entitled to insure Belgian risks, insurance company registered in Belgium under code number 2925. Registered office: Prinses Beatrixlaan 35, 2595 AK 'S-Gravenhage, the Netherlands - Trade Register Number DNB 27023707, supervised by the Nederlandsche Bank. Nationale-Nederlanden Schadeverzekering Maatschappij NV is entitled to provide insurance distribution services in Belgium on the basis of the freedom to provide services.
Europ Assistance N.V., a limited liability company (société anonyme), incorporated under French law, having its registered office at 1, Promenade de la Bonnette, 92230 Gennevilliers, France, registered in the commercial and companies register of Nanterre under number 451 366 405 and approved by the French supervisory authority (ACPR 4 Place de Budapest - CS 92459 - 75436 Paris Cedex 09, France) under number 4021295. This insurance is underwritten by its Irish subsidiary Europ Assistance n.v. Irish branch, whose registered office is at 4th Floor 4-8, Eden Quay, Dublin 1, Ireland, D01 N5W8, registered with the Irish Enterprise Registration Office under number 907089 and approved by the Central Bank of Ireland (BP 559, New Wapping Street, Dublin 2, Ireland) under number C33673. The Irish branch operates under the Irish Insurance Code of Conduct (Code of Ethics for Insurance Companies) of the Central Bank of Ireland, registered in the Republic of Ireland under number 907089. Europ Assistance S.A. delegates the organisation of the assistance services and manages the assistance and claims through its branch office Europ Assistance Belgium, VAT BE 0738.431.009 RPM Brussels, Boulevard du Triomphe 172, 1160 Brussels. Europ Assistance N.V. is entitled to provide insurance distribution services in Belgium on the basis of the freedom to provide services.
Bike insurance is a non-life insurance product (Branch 3). Bike assistance is a non-life insurance product (Branch 18).
This contract is entered into for a period of one year. It shall be tacitly renewed for a maximum of four times in consecutive periods of one year.
This insurance contract is subject to Belgian law.
Pour garder le prix de l'assurance bon marché, nous ajoutons une franchise de 10% de la valeur du vélo avec un minimum de 50€ et un maximum de 200€.
Nous n'appliquons pas de dépréciation/vétusté pendant 3 ans, ce qui veut dire que nous prendrons toujours votre prix d’achat comme référence. Contrairement à la plupart de nos concurrents, votre vélo ne perd donc aucune valeur, même après 3 ans. Nous ne déduisons que la franchise.
Donc vous ne paierez que 200€ pour avoir un tout nouveau vélo d'une valeur de 2000€.