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Getting your bike insurance

Buying a bicycle, such as a road bike, requires a great financial sacrifice from you. This applies not only to the e-bike (electric bicycle), but also to a regular bicycle. The biggest danger is the risk of theft, but with bicycle insurance you place the risk with an insurer.

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"Comparing bike insurance almost always pays off. Premiums may have increased or your personal situation may have changed. That's why we recommend comparing your bike insurance every year."

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photo Laura van Maarschalkerweerd

Laura - Expert in private insurance

12 years of experience in private insurance

Background expert photo Laura van Maarschalkerweerd
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All about bicycle insurance

Buying a bicycle, such as a road bike, requires a great financial sacrifice from you. This applies not only to the e-bike (electric bicycle), but also to a regular bicycle.

The biggest danger is the risk of theft, but with bicycle insurance you put the risk on an insurer. You can use the best locks, but you can't completely prevent theft with them.

You can purchase expensive bike insurance from the bike dealer when you buy the bike, but online comparison and purchase is recommended.

Bicycle insurance: Compare and contract online

You can take out bicycle insurance in case of theft of your bicycle, but also in case of damage due to a collision, for example. This insurance is often taken out for new bicycles until they are several years old. Not all insurers offer bicycle insurance. We recommend that you do not purchase bicycle insurance from the seller of the bicycle. In fact, it is better to compare online first and then purchase the bike insurance with the best terms at the lowest premium. If you take out bicycle insurance online now, the bicycle is already insured.

Benefits of bicycle insurance

Bike insurance is not required by law, but it is certainly recommended. You are paying hundreds or even thousands of dollars for the bicycle. Theft can cause you to lose the investment all at once. With bicycle insurance, the theft will not leave you with any financial loss. The insurance often also provides generous compensation. For example, during the first three years you will receive 100% of the insured amount in case of theft and not the daily value of the bicycle. There is also no deductible with most bicycle insurance policies. So you get the full claim amount back. For a relatively low premium, you can insure your bicycle against theft and accidental damage.

Choose the right coverage for your bike

When taking out bicycle insurance, for an electric cargo bike for example, you have several coverages to choose between. You can insure your bicycle against theft, damage or a combination of theft and damage. The difference between these types of insurance is obvious from the name. Damage refers to damage to the bicycle caused, for example, by a fall, collision or vandalism.

Supplementary coverages

In addition to bicycle insurance, you can also choose a number of additional coverages. These coverages are related to the bicycle insurance and can relieve you even further.
In addition, you can purchase recourse legal assistance, accident coverage and roadside assistance insurance.
The accident insurance has the following insured amounts:
In case of death due to a bicycle accident, your next of kin will be paid €5,000. In case of permanent disability due to a bicycle accident, you will receive €10,000.
With roadside assistance insurance, you get 24/7 ANWB roadside assistance with your bicycle within the Netherlands. Can't your bike be repaired en route? Then you and your bicycle will be taken to a bicycle specialist or home.

Frequently asked questions about fiesta insurance

Why insure your bike through Alpina?

Insuring your bike right from the bike store seems cheap, but when comparing it often proves otherwise. Critically comparing different insurers can lead to cheaper bicycle insurance, but also to bicycle insurance with more coverage and better conditions. Comparing through Alpina.nl offers additional benefits. In case of damage you can benefit from the recovery service of 112schade.nl. You do not have to contact the insurer of the person who caused your damage. And we offer a money-back guarantee.

What does bicycle insurance cost?

The premium for a bicycle insurance depends on the following:

  • Value of your bike
  • Type of bicycle
  • Town/City
  • Selected coverage

By doing a comparison online, you can calculate the cost of bicycle insurance and purchase the insurance directly.

After theft, you will be paid 100% of the insured amount of the bike until the bike is three years old. After three years, depreciation will occur. There is also a favorable arrangement for a bicycle bought second-hand. In case of theft, the insurer assumes the purchase value. So with the benefit you can buy a full-fledged replacement bicycle.

Required by the insurer

You should, of course, do everything you can to prevent damage to the bicycle and theft. For example, after theft, you should contact the insurer as soon as possible. You should also follow instructions from the insurer. Basically, you have to limit the damage as much as possible. There are also requirements for the locks on the bicycle. The policy states what the minimum requirements are. In any case, it must be an ART-approved lock with at least two stars. You must be able to hand over both keys after theft. So if one of the keys is lost, you must report it to the insurance company.

Pay close attention to the insurer's requirements. Failure to meet the requirements may result in your not receiving benefits in the event of damage or theft.

Are your bicycle accessories included in the insurance?

You can customize your bike even better with accessories. For example, you have a bike computer put on it. The additions are not standard co-insured. You can add up the value of the accessories and separately co-insure them as accessories. Don't forget this, otherwise you won't get paid for the accessories in case of theft or damage. You can consider parts of the bike an accessory if the bike did not come from the factory with these additions as standard. In other words, accessories are not included when determining the new-for-old value.

Our tips

  • With bike insurance, your bike is insured, but above all, pay attention to your own safety. Do not use a smartphone on your bike. This often causes accidents.
    - Of course, you can also insure your e-bike (electric bicycle) on bicycle insurance!
    - Want the best bicycle insurance at the lowest premium? Choose to compare and buy online.
    - There is no insurance requirement for bicycle insurance, but not being insured may cost you dearly in case of theft.

Reporting damage or theft

Report the damage to the insurer as soon as possible. It is especially urgent in cases of theft, because a quick report increases the chances of the bicycle being recovered. But the first step in case of theft is to report it. Do this especially as a first step if the perpetrator can still be traced. The insurer will give you instructions on how to proceed with the claim. In case of a collision, a claim form can be requested. In case of theft, the insurer will request the bicycle keys. They do this to prove that the bicycle was locked at the time of the theft.

What is the best bicycle insurance?

Insured against When will you receive benefits from bicycle insurance?
Theft After theft you will receive a benefit
Theft + damage You also receive a benefit if the bicycle is damaged in an accident
Theft + damage plus In addition to coverage against theft and damage, the bicycle insurance also offers recourse and accident coverage.

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