Bike insurance

Empowering bike businesses to increase value and income

Get in touch

Next-generation bike insurance

100% digital
Fast and easy claims processing
Material damage protection
Theft protection
24/7 assistance

Coverage at a glance

in Belgium

Insurance by
in partnership with
Guarantees in case of theft
  • European coverage
  • Day and night coverage, indoors and outdoors
  • Protection against theft, attempted theft and theft after assault
  • Reimbursement of the stolen bike at its purchase price for 3 years
  • Reimbursement of your fixed accessories, including padlocks (up to €100)
Discover live product
  • 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 during its theft
  • Wheels, tyres and electric batteries are not covered if they are stolen separately from the bike
  • Deductible of 10% of the bike's value with a minimum of €50 and maximum of €200
See the full list of exclusions in our general terms and conditions.

Guarantees against material damage

  • Damage caused by accidents, vandalism, animals or natural elements such as fire or flooding
  • Reimbursement of the cost of repairing or replacing your bicycle
  • Reimbursement of your fixed accessories, including padlocks (max. 100 €)
Discover live product


  • Cosmetic damage
  • Damage to the bicycle during a speed or agility race or sports competition
  • You must send us the original purchase invoice for your bicycle in the event of a claim
  • English deductible of 10% of the value of the bicycle with a minimum of 50€ and a maximum of 200€
See the full list of exclusions in our general terms and conditions.
24/7 assistance
If your customers have trouble on the road (accident, puncture, battery, theft, etc.), we come and repair their bike on the spot free of charge, and if necessary, take them and their bike home
      Discover live product


      • The assistance guarantee is valid in Belgium and 20 km outside of the Belgium borders
      • The costs of renting a replacement bike are up to a maximum of EUR 15 including all taxes per day and for a maximum of 3 consecutive days
      See the full list of exclusions in our general terms and conditions.
      A bicycle and assistance insurance developed by Qover SA in partnership with NN Non-Life Insurance, a Dutch company, and Europ Assistance SA, a French company, both entitled to provide insurance services in Belgium. Please read the insurance product information document before purchasing. This insurance contract is subject to Belgian law and concluded for a period of one year, tacitly renewable. 

      Questions or complaints? Contact us

      Business solution

      Enrich your offer with a high-value service

      One thing's certain: cycling is booming all over Europe, and it's not slowing down anytime soon. An increasing number of commuters and families are adopting bikes for their daily transport.

      With this trend comes the need for comprehensive protection, offering peace of mind and emergency assistance, just like with a car. With insurance, your customers get the flexibility and security they need in an uncertain world.

      Thousands of bikes insured in Europe

      Best market coverage

      Reinforce your brand with positive experiences

      Strengthen consumer trust and deliver a positive brand experience every step of the way. Thousands of bikes are stolen every year – which we all want to avoid! But should theft happen, we've got your customers’ backs.

      As a trusted partner, we ensure that your brand is reflected in the superior customer care we deliver to your clients. But don't just take our word for it, check out our numerous TrustPilot reviews!

      See how our digital claims experience works →  

      95% consumer satisfaction score

      4.6/5 on TrustPilot

      Increase your income effortlessly

      In addition to bringing value to your customers, insurance is an easy way to increase your revenue. Results are nearly immediate: each new contract generates profits for your company with minimal effort.

      60%+ conversion rate at checkout

      Simulate your income with our online calculator

      Supporting you wherever you are

      With a single integration, offer insurance to your customers anywhere in Europe

      We are licensed to operate all over Europe

      Czech Republic
      United Kingdom
      Get started with insurance 🚀

      Choose the integration that suits you best

      Embedded insurance boosting customer satisfaction and revenues

      Embedded insurance, seamless experience

      Tailored to the needs of increasingly connected customers, our innovative API solution provides your customers with a beautiful experience perfected to the finest detail.

      Popular with top bike brands

      60%+ conversion rate at checkout

      Europe-wide coverage

      Trusted by these amazing brands & more
      See all partners

      A simple white-label solution

      Our white-label solution is designed to meet the needs of a variety of partners so that offering insurance is easier than ever.

      Accessible via a link or using a widget, this solution supports your customers all the way.

      Popular with bike shops and aggregators

      Customers are happy, and so are we!

      Available in Belgium, France, the Netherlands, Germany, Spain, Portugal, Italy and the UK

      Learn more about our insurance solutions for bike businesses

      Omnichannel insurance opens up a world of opportunities. Start capturing them today.
      'It was a pleasure working with Qover. We love technology and bikes, but we have no insurance experience. It’s a complex matter, especially if you want to scale the product in different countries. Qover helped us define the best product and bring it to our customers.'
      Tanguy Goretti - Cowboy Founder
      Read case study
      Blog POST
      5 tactics bike retailers need to boost customer engagement
      Read more
      Blog POST
      How digital bike theft insurance can help you sell more e-bikes
      Read more
      case study
      How Veloretti uses embedded insurance to reassure e-bike customers
      Read more
      Blog POST
      Bike insurance: How to engage your customers amid supply chain issues
      Read more

      Get in touch

      Fill out this form with your request, we will be happy to answer you!

      Thank you for your message. We will get back to you shortly.
      Oops! Something went wrong while submitting the form.