Find answers on everything to do with Qover-me bike insurance.

There are many different types of bikes and it is not always easy to find your way around (mountain bike, BMX, Gravel, racing, trekking, fully suspended ...) When selecting the cover you need, you can choose between 6 different types of bikes, each with the equivalent in electric version. To identify which type of bike you have purchased, you can first look to see if it is mentioned on your purchase invoice. If this is not the case, here are a few tips: (read more)

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. (read more)

The compensation you will receive will be the same as the real damage, minus the deductible, but will never exceed the value of the insured bike. 

You have to keep your bike invoice, your insured accessories invoices and the proof of payment. We will ask you those in any claim. More specifically, in case of bike theft, make sure you have the 2 keys of the approved anti-theft device that you use to lock the bike. We will ask you to provide us the keys or to show it during a live video to make sure the bike was well attached during the theft. (read more)

Original fixed accessories are covered as long as their value has been added to the insured limit. 100€ worth of original fixed accessories are offered by Qover-me.

Yes your bike value can change by adding fixed accessories so the total insured limit will be higher, you can contact our customer service to apply the modifications on your contract and adapt the premium.

No depreciation is applied to your bike value during the first 36 months (3 years).

Yes. When there is a theft or damage, the fixed accessories that are included in the insured limit are covered. 

Fixed accessories are covered if you stated them at subscription (in your insured value). Qover-me offers 100€ of coverage on original fixed accessories (that are on the bike purchase invoice). 

We insure fixed accessories when they are added to the insured limit, even if the accessories are bought after the bike.

The bike must be secured to a fixed point during the theft and locked with an approved bike lock from among ABUS 10+, ART 2+, FUB 2+ or Sold Secure Silver or Gold. (click here for more info)

The GPS tracker allows you to locate your bike precisely via the application and to be alerted in real time in case of suspicious movements of the bike. A GPS tracker allows you to get a discount on your bike insurance.

Theft and property damage cover is valid for claims occurring in a country of the European Union...

A two or three-wheel vehicle which can be moved only by muscular effort.

Yes, your bike is covered if it is in your locked car. It is also covered if it is secured with an approved lock to your bike rack as long as it is properly secured to your car.

All bikes have a unique serial number to identify them. It is usually made up of letters and numbers and is either engraved on the frame or glued on with a label. Click here to find more info.

Yes, if these places are not accessible to other people outside and there are signs of break-in.

Yes, but only if it is secured to a fixed point by the frame with an approved lock.‍

There are many different types of bikes and it is not always easy to find your way around (mountain bike, BMX, Gravel, racing, trekking, fully suspended, ...) When selecting the cover you need, you can choose between 4 different types of bikes, each with the equivalent in electric version. To identify which type of bike you have purchased, you can first look to see if it is mentioned on your purchase invoice. If this is not the case, here are a few tips: (read more)

Whether it is a new or used bike, it must be less than one year old at the time of purchase. If your bike was purchased more than 12 months ago, we will unfortunately not be able to insure it.

Not only the policyholder, but also all persons who use the bicycle with the policyholder's permission.

Abus has launched a new range of connected locks (SMARTX) without a physical key. You can use this type of lock with the Qover-me insurance as long as the security of the lock corresponds to the minimum required by the general conditions (ABUS level 10 minimum) In the event of theft of the bicycle we will ask you to prove to us via a screenshot of the Abus application that your lock was properly secured when it was stolen.

Yes, your bicycle is also covered against material damage during transport. (click here for more information)

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..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.‍

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 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.