Delivery bike insurance: insure your delivery bike directly!

Delivery bike insurance

Delivery mopeds are increasingly being replaced by electric delivery bikes. There are many advantages to delivery by means of an e-bike (electric bicycle). The electric bicycles are comparable to mopeds in terms of purchase cost. In use, however, they are a lot cheaper. They are also better for the environment and there is no age limit for driving an electric bicycle. This allows the employer to hire young people who have not yet reached the age of 16. This saves on labour costs.

For electric bicycles for private and commercial use there is (still) no insurance obligation. For business electric delivery bikes, however, a separate third-party insurance must be taken out by the delivery service. This insurance is also called delivery bike insurance.

Is delivery bike insurance mandatory?

A personal liability insurance (AVP) covers damage with or caused by an electric bicycle for a private individual. Although the pedelec is considered a motor vehicle, unlike other motor vehicles, it is not (yet) subject to compulsory insurance. Damage with a private electric bicycle is usually insured under the AVP. Damage caused during business use of the pedelec is excluded from cover. The liability insurance for companies (AVB) no longer covers damages caused by deliverers on a pedelec owned by a delivery company.

Every company that uses electric delivery bikes must take out separate liability insurance (WA) for possible accidents and damage to the bikes.

Calculate the premium for delivery bike insurance

Taking out delivery bike insurance

If you would like to take out third-party liability insurance for your delivery cycle(s), you can easily and quickly make a calculation of the premium on our website and, if desired, take out the insurance policy directly online.

Alpina offers the option of third-party insurance for electric delivery bikes for business use.

Do you have any questions regarding delivery bike insurance? Then get in touch with us. We would be happy to help you! We can be reached by telephone from Monday to Friday between 08:00 and 18:00 on 088-6883700.

Two types of electric bikes

There are two types of pedelecs currently on the market, namely the standard e-bike up to 25 km/hour and the Speed Pedelec up to 45 km/hour. The Speed Pedelac is a bicycle with pedal assistance and has a minimum age of 16 for driving. Drivers also need a driving licence and must wear a helmet. For the Speed Pedelac, there is already an insurance obligation. Even when you own a Speed Pedelac, you can take out insurance with us.

Communicating changes is important

When you apply for insurance or if you have a claim, you have to answer questions. You must answer these questions honestly. In addition, you should do as much as possible to prevent and limit damage. Report damage as soon as possible! It is also important to inform us of any changes.