View all mountainbike insurance policies by provider:
| Laka | inshared | unive | Centraal Beheer | |
|---|---|---|---|---|
 | 
|
|
|
|
| | | | | |
| from € 5,41 | from € 4,32 | from € 2,34 | from € 2,36 | |
| View Insurance | View Insurance | View Insurance | View Insurance | |
34% choose | 26% choose | 21% choose | 15% choose | |
| Coverage: | ||||
| Theft | ||||
| Damage | ||||
| Roadside assistance | ||||
| Global coverage | ||||
| Legal help |  | | ||
| Online account | ||||
Compensation in case of theft | Full new value | New value up to 3 years | New value up to 3 years | Acquisition value up to 3 years |
Deductible for theft | No deductible in case of theft. | No deductible in case of theft. | No deductible in case of theft. | € 25 |
Deductible for damage | No deductible in case of theft. | No deductible in case of theft. | € 50 | € 25 |
| View Insurance | View Insurance | View Insurance | View Insurance | |
| | | | | |
|
|
|
|
De “vanaf” prijzen van de premies gelden voor kleine honden en katten. Indien u een volwassen hond of kat heeft zult u meer betalen voor de maandelijkse premie.
De mogelijke dekking kan van toepassing zijn op het meest uitgebreide pakket van de verzekeraar, de basis huisdierenverzekeringen omvatten vaak niet alle mogelijkheden. De maximale verzekering is het meest uitgebreide pakket die u bij de verzekeraar kunt afsluiten. De prijzen en dekkingen uit onze vergelijker zijn voor het laatste geüpdatet op 21 augustus 2024.
A cargo bike, or “bakfiets,” is a versatile bicycle designed for transporting goods, children, or even pets. These bikes come with spacious cargo compartments and sturdy designs, making them an eco-friendly and practical solution for daily errands, family outings, or business deliveries. Whether you need to carry groceries or drop your kids off at school, a cargo bike offers convenience and sustainability in one package.
Cargo bikes are a valuable investment, often costing more than traditional bicycles. Insurance provides financial protection against theft, damage, and accidents. Given their popularity in urban areas, cargo bikes are often targeted by thieves, making comprehensive insurance essential. Additionally, insurance ensures peace of mind, so you can enjoy your rides without worrying about unexpected repair costs.
The cost of cargo bike insurance depends on several factors, each influencing the price to ensure that your specific needs are met.
One of the most significant factors is the value of your cargo bike. High-end models, particularly electric cargo bikes, often require a higher premium due to their cost and the increased likelihood of theft. Additionally, the type of coverage you choose plays a role. Basic policies may only cover theft, while more comprehensive plans also include damage from accidents, vandalism, or natural disasters.
Optional add-ons, such as worldwide coverage, roadside assistance, or protection against wear and tear, can also affect the monthly premium. Some insurers offer tailored plans that let you select only the coverage you need, helping you manage costs without compromising on essential protection.
On average, cargo bike insurance starts at around €10 per month for basic coverage. However, this figure can increase depending on your bike’s features, usage, and location. For example, urban areas with higher theft rates may result in higher premiums. Despite these variables, investing in a comprehensive insurance plan is crucial.
It ensures your cargo bike is safeguarded against unexpected events, giving you peace of mind and the freedom to enjoy your rides without financial worries.
| Insurance Company | Cost per Month |
|---|---|
| Laka | € 5,41 |
| Centraal Beheer | € 2,36 |
| Univé | € 2,34 |
| InShared | € 4,32 |
To get cargo bike insurance, you’ll need:
Cargo bike insurances typically covers several key areas, ensuring your bike and finances are protected in a range of situations. Here’s what’s generally included:
No, it’s not mandatory, but it’s highly recommended due to the high value of cargo bikes and the risk of theft or damage.
Yes, most policies cover manual and electric cargo bikes, but it’s always best to check the specific terms and conditions.
Yes, second-hand cargo bikes can be insured, provided you have proof of ownership and the necessary bike details.
Many policies offer worldwide coverage as an add-on. Be sure to confirm this with your insurer.
If your bike is stolen, you’ll need to file a police report and submit it to your insurer, along with proof of your bike’s lock and ownership. Once verified, the insurer will reimburse you based on the policy terms.