What is Qover Bike insurance?
Qover Bike Insurance is your reliable partner for safeguarding your cycling adventures. As part of the renowned Nationale-Nederlanden, one of the most trusted and established names in the insurance industry, Qover combines innovation with expertise to deliver comprehensive bike protection tailored to your needs. With a reputation built on decades of experience, Nationale-Nederlanden ensures that Qover offers the same high standard of quality and reliability you would expect from a leading insurer.
Cycling in the Netherlands is more than just a mode of transportation—it’s a way of life. Qover understands the importance of your bike, whether it’s your primary means of commuting, a key to exploring scenic routes, or your companion in competitive races. Life can be unpredictable, but with Qover Bike Insurance, you can ride confidently knowing that your bike is safeguarded against theft, damage, and unexpected breakdowns.
Designed with the unique needs of Dutch cyclists in mind, Qover’s insurance solutions go beyond basic coverage, offering peace of mind for both everyday riders and cycling enthusiasts. Whether you own a state-of-the-art racing bike, a practical city bike, or an eco-friendly electric bike, Qover ensures you’re prepared for life’s twists and turns.
With Qover Bike Insurance, you’re not just insuring a bike—you’re protecting your freedom, lifestyle, and passion for cycling.
What kind of bikes can you insure at Qover?
Qover understands that every bike has its own purpose and value. That’s why their bike insurance covers a wide variety of bike types, including:
- Electric Bikes: Perfect for modern, eco-friendly commutes.
- City Bikes: Designed for everyday urban use.
- Racing Bikes: Ideal for speed enthusiasts and competitive riders.
- Cargo Bikes: Perfect for transporting goods or children.
- Speed Pedelecs: High-speed electric bikes for serious commuters.
Whatever bike you own, Qover offers coverage tailored to your needs.
What is covered by the Qover bike insurance?
Qover provides two comprehensive insurance packages to meet your needs: Theft + Assistance and the Omnium Package.
Theft + Assistance Package
This package focuses on protecting you from bike theft and offering roadside assistance. Whether your bike is stolen or you encounter issues like a flat tire or mechanical failure, Qover ensures you’re never stranded.Omnium Package
For ultimate peace of mind, the Omnium package includes everything in the Theft + Assistance package plus additional coverage for accidental damage. This package is ideal for cyclists who want full protection for their bikes against a wide range of risks.
With Qover, you can select the package that best aligns with your biking lifestyle and level of security.
What are the costs of Qover bicycle insurances?
The cost of Qover Bike Insurance varies based on several factors, including the type and value of your bike, the coverage package you select, and any additional features or options you choose. Whether you’re insuring a city bike or a high-performance racing bike, Qover offers competitive and transparent pricing, ensuring you get excellent value for your money.
Qover provides two primary coverage packages—Theft + Assistance and Omnium—allowing you to select the level of protection that best fits your needs. Additionally, you can choose between monthly or annual payment plans, giving you flexibility and convenience. By using the Qover online calculator, you can get a tailored quote in minutes, making it easy to see how affordable complete bike protection can be.
Below is an example cost breakdown to give you an idea of potential pricing:
| Bike type: | Value of bike | Theft + assistance (per month) | Omnium (per month) |
|---|---|---|---|
| City Bike | € 1000 | € 6,50 | € 9,00 |
| Electric bike | € 2500 | € 12,00 | € 18,00 |
| Racing bike | € 3500 | € 15,50 | € 23,50 |
| Cargo bike | € 4000 | € 17,00 | € 25,00 |
| Speed Pedelec | € 5000 | € 20,00 | € 30,00 |
Note: Prices in the table are indicative and may vary depending on your bike’s specific characteristics and chosen coverage options.
What are the Terms & Conditions of Qover Bike Insurance?
Qover Bike Insurance is designed with transparency and clarity to ensure you understand the key terms and conditions of your policy. Below are the main legal mentions and details to provide you with a complete understanding of the insurance agreement:
This insurance policy is managed by Qover S.A., a non-tied insurance agent authorized and regulated by the Financial Services & Markets Authority (FSMA) in Belgium under registration number 0650.939.878. Qover’s registered office is located at Rue du Commerce 31, 1000 Brussels, Belgium. In the Netherlands, Qover operates under the freedom to provide services framework.
The policy itself is underwritten by Nationale-Nederlanden Schadeverzekering Maatschappij NV, an insurance company operating under Dutch law. Nationale-Nederlanden is authorized to insure risks within the Netherlands and is registered in Belgium under code number 2925. Its registered office is at Prinses Beatrixlaan 35, 2595 AK ‘S-Gravenhage, the Netherlands, with Trade Register Number DNB 27023707. The company is supervised by De Nederlandsche Bank (DNB).
Assistance services included in the policy are provided by Europ Assistance N.V., a French-incorporated company with its registered office at 1, Promenade de la Bonnette, 92230 Gennevilliers, France. Europ Assistance operates through its Irish subsidiary, Europ Assistance N.V. Irish Branch, with a registered office at 4th Floor, 4-8 Eden Quay, Dublin 1, Ireland. Europ Assistance is regulated by the Central Bank of Ireland and operates under the Irish Insurance Code of Conduct. The Belgian branch, Europ Assistance Belgium, manages assistance services and claims.
The Qover Bike Insurance policy is a non-life insurance product:
- Bike Insurance is categorized under Branch 3.
- Bike Assistance is categorized under Branch 18.
This contract is concluded for a period of one year and is renewable a maximum of four times by tacit agreement, each for an additional year. The insurance contract is subject to Dutch law.
Before purchasing, it is essential to review the full terms and conditions to understand the scope of coverage, exclusions, and your rights as a policyholder. For more information or assistance, refer to the policy documentation or contact Qover directly.
By choosing Qover Bike Insurance, you can ride with confidence, knowing your policy is backed by experienced and highly regulated insurance providers.
Frequently asked questions about the Qover bike insurance
View answers to the most frequently asked questions about Qover bike insurances here.
Yes, Qover allows you to insure bikes that are not brand new, as long as the bike’s value can be verified through an original purchase receipt or an appraisal from a bike dealer. This makes it easy to protect your bike even if you’ve owned it for a while.
Qover bike insurance provides international coverage in most European countries. This means your bike is protected whether you’re cycling through the Netherlands or enjoying a biking trip abroad. Check your policy for specific countries included in the coverage.
If your bike is recovered after a theft claim has been paid, you can either keep the payout or return it to Qover and reclaim your bike. In such cases, any additional damages to the bike will also be considered for coverage.
Yes, to qualify for theft protection, you must secure your bike with an approved lock that meets the insurance policy requirements. This typically includes locks with a Sold Secure rating or other certified locks. Failure to use an approved lock may void the theft claim.
Yes, the battery of an electric bike is covered under both the Theft + Assistance and Omnium packages. However, coverage may vary based on whether the battery is integrated or removable. Ensure your policy includes specific details about battery protection.
If you replace your insured bike with a new one during the policy term, you can transfer the insurance to the new bike by updating your policy details. This is particularly useful for riders who upgrade their bikes frequently.
Most Qover bike insurance claims involve a deductible, which is a fixed amount you need to pay out-of-pocket before the insurance covers the rest. The deductible amount depends on your bike’s value and the chosen coverage package. Review your policy to see specific details.
For accidental damage claims, Qover often works with a network of approved bike repair shops. This ensures high-quality repairs and quicker claim processing. You may also choose your own repair shop, but this should be discussed with Qover beforehand.
Yes, custom-built bikes can be insured as long as you provide documentation that outlines the value of the individual components. This ensures your bike is accurately appraised and properly protected.
Qover offers multi-bike insurance options. You can insure more than one bike under separate policies or inquire about discounts for insuring multiple bikes under a single account.
Yes, Qover provides a cooling-off period, typically 14 days, during which you can cancel your policy for a full refund if you haven’t made a claim. This gives you time to evaluate whether the insurance meets your needs.
If you upgrade your bike with new components, such as wheels, handlebars, or a more advanced motor, you can notify Qover to adjust the insured value and premium. This ensures your bike’s updated value is covered adequately.
Yes, bikes used in sports events or competitions can be insured, but you may need to inform Qover in advance to ensure full coverage. This is particularly relevant for racing bikes or mountain bikes used in competitive environments.
Qover occasionally offers perks like free roadside assistance for the first month or discounts for renewing your policy. Check their website or promotions for current offers that may benefit you.
