bike insurancein partnership with
Logo NN

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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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



... €/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


... €/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. 

How do we help 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 repair your bike on the spot free of charge, and if necessary, take you and your bike home.

Theft protection

You went for a drink, and although you locked your bike properly it’s been stolen? We refund its full value minus the deductible.

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

Material damage protection

We pay in full for repairs to your bike further to material damage caused by an accident, vandalism, flood, fire (e.g. battery) and other external events if the amount exceeds the deductible during the first 3 year.

We know that you don't go anywhere without your bike, which is why we will reimburse you the cost of renting a replacement bike, up to a maximum of 15 EUR (incl. VAT) per day and for a maximum of 3 consecutive days.


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.

Why trust us?

Get the best protection before you ride your new bike!
Therefore, we have teamed up with highly reliable partners to create this policy.

Qover is the go-to insurance partner for all digital companies. Qover is an intermediary registered with and regulated by the FSMA (Financial Services & Markets Authority).

They will take care of you whenever you need assistance.

NN is the largest Dutch insurance and asset-management company, a sound, reliable company with a focus on personal insurance.

Europ Assistance is the obvious partner if what you want is flawless assistance when you need it most

Why Qover?


of our customers are satisfied with our services!*

*Customer satisfaction rate certified by Zendesk Customer Service System
Fast and easy claim processing
File your claim online in 5 minutes!
As soon as they receive it, our experts calculate the amount of your compensation.
We are here to help.
The Qover experience
Full coverage, 100% digital, for a better price.

Do you have a specific question?

We are happy to advise you.

FAQ relating to bike insurance

In case of emergency

For emergencies on the road (24/7) : +33 9 78 46 61 24.

Please use this number only in case of an emergency, and not for anything else.

Any questions? We are here for you.

We will be happy to supply any details concerning your bike insurance policy and its benefits.

Which kinds of bikes are covered?

We cover all types of two- and three-wheeled bikes that can only be started and propelled by human force, and the assistance speed of which, if applicable, cannot exceed 25 kph.

We also cover second-hand bikes provided they are less than 12 months old at the time of purchase. In the case of second-hand bikes and bikes over 30 days old, we will ask you to send us recent photos of your bike when taking out the policy.

What is theft insurance?

We insure bikes against theft and damage caused by theft in the event of theft or attempted theft, as well as theft or attempted theft further to assault.

What is material damage insurance?

We cover material damage to the insured bike:

  • accidental damage caused by external forces or by yourself;
  • damage caused by vandalism;
  • damage caused by contact with animals or by natural events such as fire or flood.
What are my obligations?
  • The bike must be locked with an approved bike lock either ABUS (security 10 or higher), ART (category 2 or higher), VdS (A+ or B+), FUB (2 wheels or higher), Sold Secure Silver (or Gold), Onguard or SRA AND used in accordance with the manufacturer's instructions AND have been secured to a fixed point during theft.
  • You must file a statement concerning the theft of your insured bike with the relevant police authorities within 48 hours.
  • You must supply the purchase invoice of your bike when filing a claim for compensation, as well as proof that you were still in possession of the keys to the bike lock at the time of the theft.
  • 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 theft.
  • The information you supplied 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.
Where does the coverage apply?

The theft and material-damage coverage is valid for incidents in EU Member States, the United Kingdom, Northern Ireland, Andorra, Monaco, the Vatican, Iceland, Liechtenstein, Norway, San Marino and Switzerland.

The assistance coverage is valid in France and 20km around the France borders.

Can I cancel my insurance?
  • You can cancel the insurance contract on its mains expiry date. To do so, you must notify us in writing at least 2 months before the mains expiry date
  • You may cancel your policy if we change the amount of the premium or the general terms and conditions.
  • You may cancel your policy one month at the latest after claiming compensation. The policy will expire at the end of 1 months as of the date of notification.
  • You can revoke your insurance contract within 14 calendar days of the conclusion of the insurance contract or receipt of the contract documents.
  • You can cancel your insurance at any time after one year without charge or penalty. Cancellation takes effect one month after receipt of your notification.

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