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Frequently asked questions about bicycle insurance

Is all the product information on the website complete or are there small print?

On the various pages on our website we try to give you as clear an explanation of our products as possible. We also give as much as possible the pros and cons of the products. We have also listed the frequently asked questions for each product. With this we try to give you as much information as possible about the products we offer.

We work with several insurers, each of which has its own terms and conditions for different products. There can be considerable differences. We want to emphasize that you should always consult the policy, with any clauses and conditions. These are always leading.

Below you will find the most frequently asked questions. Can't work it out? Please contact us via Chat, Whatsapp or Messenger.

I have sold my bicycle. Can I transfer the insurance?

When you sell your bike, it is not possible to transfer the insurance to the new owner. However, you can cancel your comprehensive bicycle insurance.

Can I insure an electric bicycle (second-hand)?

Yes, you can. You can also purchase bicycle insurance for your used electric bicycle with us. However, the theft coverage is different for a used electric bicycle:

The purchase price is then the insured amount and the premium is calculated on that. In case of total loss, you will receive a used bicycle of the same quality as the insured bicycle

Can I also insure my second-hand bicycle?

Yes, you can. You can also get bicycle insurance for your used bicycle with us. With a used bicycle, however, the theft coverage is different:

The purchase price is then the insured amount and the premium is calculated on that. In case of total loss, you will receive a used bicycle of the same quality as the insured bicycle.

Do I also qualify for compensation if I only have one bicycle key?

No, to qualify for reimbursement on bike insurance, you must submit two original bike keys to the insurance company.

What is the excess of the bicycle insurance?

In case of damage to an E-bike or a regular bike, you have a deductible of €25 on the bike insurance.

In case of total loss of an E-bike or a regular bike, you have no deductible.

In case of damage to an ATB or road bike, the excess is €50.

In case of total loss of an ATB or road bike, the excess is 20% of the insured amount.

For theft of any type of bicycle, you have no deductible.

The deductible may further vary from policy to policy and from insurer to insurer. Therefore, check your policy carefully.

What does the breakdown cover include?

Breakdown on the road is inconvenient. But with the Unigarant Roadside Assistance the problem is fixed in no time. Thanks to an (emergency) repair, you will soon be back on the road. And if repair on the road is not possible, you and your E-bike will be taken to a bicycle specialist or home. This coverage is a standard part of the E-bike insurance.

You are entitled to during the term of the insurance:

  • Free repair in case of breakdown (excluding spare parts).
  • Free transportation of you and your bike if repair on the road is not possible.
  • Unigarant Pechhulp is implemented by the ANWB.

What kind of ART lock should be on the bicycle?

On our bike insurance, the company always requires an ART approved lock with 2 stars ( category 2).

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