BICYCLE INSURANCEin partnership with
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Cyclist, protect your bike from theft and material damages and enjoy an extra 2.050 SEK to complete your journey in case of trouble.

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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 for

PROMO - ...%

THEFT

... SEK/year

... SEK/month
To be paid annually
Theft of your bicycle
... SEK paid back during 3 years
Vandalism or accident
Full reimbursement for repairs over 350 SEK
Total loss
0 SEK paid back during 3 years
Last mile emergency cover
We pay for your taxi/train after a theft or accident to complete your journey (up to 0.00 SEK)
Replacement bike in cash
Rent a replacement bike after a theft or an accident (up to 0.00 SEK)
PROMO - ...%

omnium

... SEK/year

... SEK/month
To be paid annually
Theft of your bicycle
... SEK paid back during 3 years
Vandalism or accident
Full reimbursement for repairs over 350 SEK
Total loss
... SEK paid back during 3 years
Last mile emergency cover
We pay for your taxi/train after a theft or accident to complete your journey (up to 0.00 SEK)
Replacement bike in cash
Rent a replacement bike after a theft or an accident (up to 0.00 SEK)
PROMO - ...%

premium

... SEK/year

... SEK/month
To be paid annually
Theft of your bicycle
... SEK paid back during 3 years
Vandalism or accident
Full reimbursement for repairs over 350 SEK
Total loss
... SEK paid back during 3 years
Last mile emergency cover
We pay for your taxi/train after a theft or accident to complete your journey (up to 2.050 SEK)
Replacement bike in cash
Rent a replacement bike after a theft or an accident (up to 2.050 SEK)
It is mandatory to read the information document on the insurance policy before purchasing the contract.

The coverage

Click on one of the coverages to display more information.

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
  • Refund of your fixed accessories, included lock (more info)
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Exclusions

  • The bike must be locked with an approved lock, either ABUS (security 10 or higher), ART (category 2 or higher), FUB (2 wheels or higher), or Sold Secure Silver (or Gold) and must have been attached to a fixed point
  • Wheels and tires are not covered if they are stolen separately from the bike
See the full list of exclusions in our general terms and conditions.

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)
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Exclusions

  • Purely aesthetic damage (e.g. scratches or dents)
  • 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
  • Excess of 350 SEK
See the full list of exclusions in our general terms and conditions.

Emergency expense

You have an accident and are blocked in the middle of nowhere ?
We know it can be annoying. That's why we’ll cover up to 2050 SEK to pay for a taxi or train to complete your journey.

    Cash for bike rental

    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 and for a max. of 7 days.
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      Exclusions

      • Travel and bike rental expenses not related to the immobilization of the bike
      • This coverage is limited to 3 claims per year
      See the full list of exclusions in our general terms and conditions.

      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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      Fast, intuitive and 100% digital

      No paperwork

      Everything is done online and your insurance subscription takes less than 3 minutes.

      If you'd like, you can be insured from the next day. 

      Quick and intuitive claim forms

      You already have a lot to deal with when something happens to your bike, so we do our best to make the claim process as simple as possible.

      You don't want to extend your contract? Send us an email

      We are sure you will be more than satisfied with our coverage, but if for any reason you do not want to extend your contract, just send us an email. No need to send us a registered letter or to call a premium phone number.

      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 (up to 1000 SEK)
      • For your taxi/train after a theft or an accident to complete your journey (up to 2.050 SEK)
      • For a replacement bike (up to 2.050 SEK)

      We don't pay :

      • If your bicycle was not secured by the frame to a fixed point with an approved lock
      • If the claim was caused by the policyholder
      • The excess of 350 SEK in case of material damage
      • Wheels and tires are not covered if they are stolen separately from the bike
      • Purely aesthetic damage (e.g. scratches or dents)
      • Damage occurred during a participation in a speed, regularity or agility ride or competition

      Any questions? We are here for you.

      See details
      Does my insurance also apply abroad?

      The guarantee is valid in the countries of the European Union, the United Kingdom of Great Britain, the Principalities of Andorra and Monaco, the Vatican, Iceland, Croatia, Liechtenstein, Norway, San Marino and Switzerland.

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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. If your bike is stolen, we will reimburse you after deducting any excess and depreciation. No depreciation is applied to the compensation calculation during the first 36 months (3 years) of the bike. As from the 37th month, a depreciation is applied. The minimum amount of compensation is set at 50% of the insured value as shown in the table of benefit in the terms and conditions and policy schedule.

      See details
      What kind of bicycles are covered in Sweden?

      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 2.525 SEK to 100.000 SEK.

      See details
      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.

      We will reimburse you for the cost of repairs after application of any excess and depreciation. No depreciation is applied to the compensation calculation during the first 36 months (3 years) of the bike. As from the 37th month, a depreciation is applied. The minimum amount of compensation is set at 50% of the insured value as shown in the table of benefit in the terms and conditions and policy schedule.

      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.
      See details
      What is emergency expense?

      The guarantee applies when the insured is immobilized and unable to complete his journey with the insured bike due to a: 

      • Accident
      • Theft
      • Vandalism
      • Bodily injury consecutive of the use of the bike

      We reimburse the occurring costs that the insured had to make to arrange assistance during the immobilization; in the form of dragging, replacement of the bike, bike rental (max. 7 days), transport to the insureds residence or the residence designated by him, transportation of luggage, onsite repairing of a flat tire or key loss. 

      We pay for this guarantee based on supporting documents and up to a maximum SEK 2.050 per claim.

      This guarantee is limited to 3 claims per insurance year.

      More FAQs

      Advice from the bicycle insurance experts

      Do you have a specific question? 

      We are happy to help with any details concerning your bicycle 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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      Legal mentions