Fatbike Insurances from the Netherlands

Centraal Beheer is the only company for Fatbike insurances

Centraal Beheer
Fat Bike
from € 2,35
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Centraal Beheer
Coverage:
Theft
Damage
Roadside assistance
Global coverage
Legal help
Online account

Compensation in case of theft

Acquisition value up to 3 years

Deductible for theft

€ 25
Deductibles for theft

Deductible for damage

€ 25
Deductible bike insurance
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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.

Fatbike insurances from the Netherlands

Fat bikes have gained popularity for their ability to tackle rough terrain, sand, snow, and off-road adventures. With their thick tires and sturdy frames, fat bikes are perfect for outdoor enthusiasts who want to explore extreme conditions. However, their high value and increasing demand have also made them a target for theft. As a result, finding fat bike insurance has become more challenging.

Many insurance companies no longer offer coverage for fat bikes due to the high theft rate associated with these bikes. Their unique features and high price tag make them particularly attractive to thieves, and insurers have responded by either increasing premiums significantly or discontinuing coverage altogether.

Fortunately, Centraal Beheer is one of the few insurance companies that still provides fat bike insurance, offering comprehensive protection against theft, damage, and accidents. At Bike-Insurance-Netherlands, we guide you in finding the best possible coverage for your fat bike, ensuring that your investment is protected despite the challenges of insuring these specialized bikes.

What is a fatbike insurance?

Fat bike insurance is specifically designed to cover the unique risks associated with owning and riding a fat bike. Given their high price and specialized use, fat bikes require a tailored insurance policy that offers coverage beyond standard bike insurance.

Fat bikes are often used in rugged terrains such as beaches, snow-covered paths, and mountain trails, increasing the likelihood of accidental damage. Additionally, their popularity and value make them a target for theft.

Fat bike insurance helps protect your bike from various risks, including theft, accidental damage, and liability if you cause harm to others while riding. With fewer insurers offering this type of coverage, finding the right policy can be difficult, but Centraal Beheer continues to offer a solution for fat bike owners.

Fat Bike wheels

What are the costs of a fatbike insurance?

Because fat bikes are more prone to theft and damage, the cost of insuring them is generally higher compared to other types of bikes. Insurance premiums for fat bikes can range from € 15 to € 40 per month, depending on the bike’s value, the type of coverage you choose, and the location where the bike is stored.

Factors influencing the cost of fat bike insurance include:

  • Bike Value: Higher-end fat bikes, often featuring expensive components, lead to higher premiums.
  • Location: If you live in an area with high rates of bike theft, you may face higher insurance costs. Urban areas tend to have higher premiums due to the increased theft risk.
  • Usage: How and where you ride your fat bike can affect your premium. Using your fat bike in extreme environments or for frequent off-road riding may increase the cost of your coverage.

Although the cost of fat bike insurance is on the higher side, it’s essential for protecting your valuable bike against theft and damage.

The premium for fatbike insurance at Centraal Beheer depends on several factors, including the new value of the bike, your place of residence and the coverage options chosen. Although specific starting prices are not readily available, you can easily calculate a customized premium on Centraal Beheer’s website.

Important points to consider when insuring your fatbike:

  • ART2-approved lock: Your fatbike must be equipped with an ART2-approved lock. An overview of approved locks can be found on the website of Stichting ART.
  • Track & Trace system: In addition, an active Track & Trace system with a tracking subscription with Fris Netherlands is mandatory. The installation of this system must be done within two weeks of the insurance effective date. The cost is a one-time €50 for the installation and €5.95 per month for the subscription, payable to Fris Nederland.
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What do you need for a fat bike insurance?

To get fat bike insurance, you’ll need to provide some key information about your bike and its security measures. Most insurers, including Centraal Beheer, require you to use an approved lock, typically an ART-certified lock, to ensure adequate theft protection. Having a secure storage location for your bike, such as a locked shed or garage, can also help in securing insurance coverage.

In addition to security measures, you’ll need to provide the following:

  • Bike Details: Make, model, purchase price, and any customizations or special components.
  • Proof of Purchase: Most insurers will ask for proof of purchase to verify the value of the bike.
  • Personal Information: Basic personal details like your name, address, and contact information.

Once you have this information ready, applying for fat bike insurance is a straightforward process, especially with providers like Centraal Beheer that specialize in covering high-risk bikes like fat bikes.

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What is covered by a fatbike insurance?

Fat bike insurance typically includes the following coverage options, providing comprehensive protection against the most common risks faced by fat bike owners:

Theft Protection

Accidental Damage

Mechanical Coverage

Liability Coverage

Optional Add-ons

FAQ for fat bike insurances

View answers to the most frequently asked questions about fat bike insurance here.

Due to the high theft rate and high value of fat bikes, many insurers no longer offer fat bike insurance or have increased their premiums significantly. Only a few companies, such as Centraal Beheer, still provide comprehensive fat bike insurance.

Fat bikes are often high-value and unique, making them attractive to thieves. Their distinctive appearance and components are difficult to replace, which adds to the risk.

Yes, insurers like Centraal Beheer offer coverage for off-road riding. However, be sure to confirm with your insurer that your policy includes protection for damage incurred during off-road use.

To obtain e-bike insurance, you typically need to provide:

  • Details about your e-bike (make, model, purchase price)
  • Proof of an approved lock
  • Personal information (name, address, contact details)
  • Sometimes, proof of purchase

Yes, if your fat bike is stolen from a public place and you have used an approved lock, insurance will cover the theft. Always ensure that you follow the security requirements of your policy.

If your fat bike is stolen, report the theft to the police and obtain a police report. Then, file a claim with your insurer by providing the necessary documentation, including proof of purchase and the police report.

To lower your fat bike insurance premium, consider storing your bike in a secure location, using an ART-certified lock, and opting for a higher deductible. These measures can help reduce the risk of theft or damage, leading to lower costs.

To cancel your fat bike insurance, contact your insurer directly or log into your account to submit a cancellation request. Be aware of any notice period required by your policy.

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