What is ANWB?
The ANWB, short for Algemene Nederlandse Wielrijdersbond, is a household name in the Netherlands. Established over a century ago, ANWB started as a cycling association and has grown into a comprehensive mobility and service organization. They offer a wide range of products and services designed to make travel safer, more enjoyable, and stress-free, whether you’re on a bicycle, in a car, or exploring the world. From roadside assistance to insurance and even leasing options, ANWB remains a reliable partner for millions of Dutch residents.
ANWB is best known for its extensive roadside assistance network, which is available to motorists and cyclists alike. Their expertise goes far beyond breakdown services, offering innovative solutions to meet the needs of modern travelers. Here are some of the key services provided by ANWB:
Roadside Assistance (Wegenwacht):
ANWB’s roadside assistance is renowned for its speed and efficiency. Whether your car won’t start, or your bicycle breaks down, their team is available 24/7 to get you moving again.Insurance Services:
ANWB provides a variety of insurance options, including car, travel, home, and bicycle insurance. Their policies are tailored to meet individual needs, offering extensive coverage, flexible terms, and peace of mind.Travel Services:
ANWB operates travel agencies that help members book holidays, find accommodations, and access travel insurance. Whether it’s a weekend getaway or an overseas adventure, ANWB ensures your trip is stress-free.Lease Options:
ANWB offers affordable leasing plans for cars and bikes, including electric bikes (e-bikes). This allows customers to enjoy modern, sustainable mobility without the high upfront costs of ownership.Retail Stores and Webshop:
ANWB’s retail shops and online store provide cycling accessories, outdoor gear, maps, and more, making it a one-stop shop for all your travel needs.Traffic and Weather Information:
With their traffic and weather updates, ANWB ensures you are well-prepared before setting out on any journey.Sustainability Initiatives:
ANWB is committed to sustainability, promoting eco-friendly travel options like cycling and public transport. Their bike leasing programs and electric vehicle services align with this mission.
Why insure your bicycle with ANWB?
ANWB’s bicycle insurance is a natural extension of their commitment to mobility and safety. Combining their extensive expertise with a deep understanding of cyclists’ needs, their policies are designed to offer the best protection for all types of bikes, from e-bikes and cargo bikes to mountain bikes and racing bikes.
By choosing ANWB, you’re not just insuring your bike—you’re partnering with an organization that supports cyclists in every aspect of their journey, from roadside assistance to leasing and beyond.
The added value of ANWB membership
As an ANWB member, you gain access to exclusive benefits, including discounts on insurance premiums, travel deals, and priority service for roadside assistance. Membership ensures you’re always supported, whether you’re cycling to work, road-tripping across Europe, or exploring new destinations.
Breakdown assistance with ANWB bicycle insurance
ANWB’s bicycle insurance stands out for its inclusion of roadside assistance (pechhulp). This service is invaluable for cyclists who encounter unexpected issues, such as a flat tire, a broken chain, or other mechanical failures. ANWB’s expert team is available 24/7 to help you get back on the road or transport you safely to your destination. This feature is especially beneficial for e-bike riders and those who venture far from home on their rides.
How much does ANWB bike insurances cost?
The cost of ANWB bike insurance varies based on several factors, including the type and value of your bicycle, the coverage options you select, and any additional services you choose to include. Here’s a detailed breakdown to help you understand the pricing structure:
Factors influencing the premium
Type of bikes:
- Standard bicycles: Generally have lower premiums due to their lower replacement costs.
- Electric bicycles (E-bike insurance): Often come with higher premiums because of their increased value and the inclusion of components like batteries.
- Specialty bikes (e.g., Cargo Bikes, Mountain Bikes): Premiums can vary based on the bike’s specifications and value.
Value of the Bicycle:
- The higher the purchase price of your bike, the higher the insurance premium, as the potential payout in case of theft or damage increases.
Coverage Options:
- Theft Only: Covers the loss of your bicycle due to theft.
- Theft and Damage: Provides comprehensive coverage, including theft and accidental damage.
- Additional Coverages: Options like roadside assistance (pechhulp), legal assistance (verhaalsrechtsbijstand), and accident coverage (ongevallendekking) can be added, each affecting the overall premium.
Deductibles (Eigen Risico):
- For complete theft, there’s typically a deductible of 5% of the insured amount.
- For other damages, a standard deductible of €50 applies.
Security Measures:
- Using approved locks (minimum ART-2 certified) can influence your eligibility for coverage and may impact premium costs.
Additional Costs
Policy Administration Fees (Poliskosten):
- A one-time fee is charged for issuing the policy:
- €8 for continuous (doorlopende) insurance policies.
- A one-time fee is charged for issuing the policy:
Payment Term Surcharge:
- Opting for monthly payments may incur an additional surcharge of 5%.
Insurance Premium Tax (Assurantiebelasting):
- A statutory tax of 21% is applied to the insurance premium.
Example Premium Calculation
To provide a general idea, let’s consider an example:
| Bicycle type: | Electric bike (E-bike) |
|---|---|
| Purchase price: | € 2000,- |
| Coverage: | Theft and Damage |
| Additional coverage: | Roadside assistance |
Based on these parameters, the annual premium might be approximately €100, excluding taxes and fees. This estimate can vary, so it’s advisable to use ANWB’s online premium calculator for a precise quote tailored to your specific situation.
Member discounts
ANWB members often benefit from discounts on insurance premiums, making it advantageous to hold a membership when insuring your bicycle.
Obtaining a quote
For an accurate and personalized premium calculation, you can visit the ANWB Bicycle Insurance Page and use their online tool to input your bicycle’s details and desired coverage options.
By considering these factors and utilizing ANWB’s resources, you can determine the most suitable and cost-effective insurance coverage for your bicycle, ensuring peace of mind as you ride.
What are the terms of ANWB bicycle insurance?
ANWB bicycle insurance is known for its transparent and straightforward conditions, ensuring you know exactly what to expect. The terms include:
- Coverage for theft, damage, and loss due to external circumstances.
- New-for-old replacement within the first three years for newly purchased bicycles.
- Optional add-ons, such as accident insurance or coverage for bike accessories.
- A requirement that the bicycle be secured with an ANWB-approved lock.
- Flexibility to customize the policy based on your preferences.
These conditions make ANWB bicycle insurance a reliable choice for cyclists seeking comprehensive protection for their investment.
Continuous bicycle insurance from ANWB
One of the unique features of ANWB’s bicycle insurance is the continuous (doorlopende) coverage. This means that your bike is insured year-round without the need to renew the policy annually.
It’s a convenient option for cyclists who want uninterrupted coverage and a hassle-free insurance experience. Whether you’re riding daily or occasionally, you can rest assured knowing your bike is always protected.
Frequently asked questions about the ANWB bike insurance
View answers to the most frequently asked questions about ANWB bike insurances here.
ANWB bike insurance is a comprehensive policy designed to protect bicycles against theft, damage, and other risks. It covers various types of bikes, including e-bikes, cargo bikes, and mountain bikes, offering flexible options for different needs.
Yes, ANWB provides insurance for e-bikes (electric bicycles). Their policies also cover other bikes like cargo bikes, road bikes, fat bikes, mountain bikes, and more. The insurance includes theft and damage coverage, with optional add-ons like roadside assistance and legal protection.
ANWB insures a wide variety of bicycles, including:
- Electric bikes (e-bikes)
- Cargo bikes (bakfietsen)
- Recumbent bikes (ligfietsen)
- Road bikes (racefietsen)
- Fat bikes
- Mountain bikes (MTBs)
- Standard city bikes
ANWB bike insurance typically covers:
- Theft (with a certified lock)
- Accidental damage
- Vandalism
- New-for-old replacement within the first three years for new bikes
Optional coverage includes: - Roadside assistance (pechhulp)
- Legal assistance (verhaalsrechtsbijstand)
- Personal accident insurance (ongevallendekking)
The cost depends on factors such as the bike’s value, type, and the coverage options you choose. Additional costs include a one-time policy fee (€8) and optional add-ons. Monthly payments may incur a small surcharge, and insurance premium tax (21%) applies.
The standard deductible for theft is 5% of the insured amount, and for damage, it is typically €50. These amounts may vary depending on the policy and type of bike.
Yes, to qualify for theft coverage, you must use a lock that meets ANWB’s certification standards, such as an ART-2 or higher approved lock.
Yes, you can cancel your ANWB bike insurance at any time. If you have a continuous (doorlopende) policy, cancellation must comply with the contract terms, which usually require a notice period.
If your bike is stolen, you can file a claim with ANWB. You will need to provide the original purchase receipt and proof of an approved lock. ANWB may offer a replacement bike or a payout based on the insured value.
Yes, second-hand bikes can be insured with ANWB, provided you can verify their purchase value and condition. Coverage terms remain the same as for new bikes.
Yes, ANWB bike insurance allows you to include coverage for bike accessories like baskets, GPS devices, and child seats, for an additional premium.
ANWB bike insurance typically covers bikes used within the Netherlands. However, some policies may include limited coverage for international trips. Check the terms of your specific policy for details.
Yes, ANWB members often receive discounts on their bike insurance premiums. Membership benefits also include access to other ANWB services and exclusive offers.
You can easily get a personalized quote by visiting the ANWB Bike Insurance Page and using their online calculator. Input your bike details and desired coverage to see your premium.
