More than 200 bicycle shops trust Qover

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.

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.

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.

• 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.

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.

• 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.