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Your coverage for

Theft + assistance
Theft of your bike
24/7 assistance
Material damage
The most advantageous
Omnium
Theft of your bike
24/7 assistance
Material damage
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The different coverages
  • 24/7 assistance
    Your electric bike’s battery ran down faster than expected or you had a puncture on the road? You don’t have to push your bike all the way home!

If you have trouble on the road (accident, puncture, battery, theft, etc.), we come and repair your bike on the spot free of charge, and if necessary, take you and your bike home.

  • Protection against theft
    You went for a drink, and although you locked your bike properly it’s been stolen? We refund its full value minus the deductible.

We also pay for your taxi home (up to €500).

Your bike is covered day and night both indoors and outdoors as long as it is secured to a fixed point with an approved lock (see list of exclusions).

To keep premiums down, we apply a deductible of 10% of the bike’s value (min 50€ and max 200€). This means that if a bike is worth €3000 the amount of the deductible is only €200. We don't apply any depreciation during 3 years this means we will always take your purchase price as a reference. Contrary to most of our competitors, your bike therefore loses no value, even after 3 years. We only deduct the deductible.

  • Protection against material damage
    We pay in full for repairs to your bike further to material damage caused by an accident, vandalism, flood, fire (e.g. battery) and other external events if the amount exceeds the deductible.

We know you and your bike go together everywhere, this is why we will reimburse you, on the basis of the receipts, the cost of hiring a replacement bike, up to a maximum of 15 EUR including all taxes per day and for a maximum of 3 consecutive days.

Amount of the english deductible = 10% of the total purchase price of your bike (min 50€ and max 200€.

Exclusions from the coverage

Find below the list of exclusions. If you would like more details or clarification, please do not hesitate to contact us, we will be happy to answer you.

  • The bike must be locked with a FUB approved, Sold Secure Silver (or Gold) or ART approved category 2 (or higher) bike chain and must have been attached to a fixed point when it was stolen.

  • Wheels, tires or the electric battery are not covered if they were stolen separately from the bike.

  • Aesthetic damage (scratches, dents, ...) is not covered.

  • Damage resulting from participation in a bike race is not covered.

  • See the complete list of exclusions in our general conditions .

Eligibility rules

In order to be eligible for compensation in the event of an incident, you must comply with a few rules listed below. If you would like more details or clarification, please do not hesitate to contact us, we will be happy to answer you.

For a second-hand bike, you must :

  • Send us 5 photos (front, rear, left side, right side, serial number) of the insured bike within 14 days of taking out your insurance policy ;

  • Provide us with the serial number;

    If you fail to do so, we will cancel your insurance contract and refund the insurance premium paid;

For a new bike purchased more than 30 days ago, you must:

  • Send us 5 photos (front, rear, left side, right side, serial number) of the insured bike within 14 days of the start date of your insurance policy ;

  • Provide us with the serial number within 14 days of the start date of your insurance contract;

    If You do not do so, we will cancel your insurance contract and refund the insurance premium paid;

For a new bike purchased less than 30 days ago, you must:

  • Provide us with the serial number within 14 days of the start date of your insurance contract;

    If you fail to do so, we will cancel your insurance contract and refund the insurance premium paid;

What to do in the event of a claim

Need assistance on the road?

In case of problems on the road (accident, puncture, battery, theft, ...), call directly 02 541 92 01. We will come to repair your bike on the spot free of charge and if necessary, we will drop you off at your home with your bike or at the repairer of your choice.

Your bike has been stolen?

You must report the incident to the police within 24 hours and report the claim online (this takes less than 5 min).

Is your bike damaged?

You must report the claim online within 8 days of discovering the damage.

Whether your bike is stolen or damaged, our experts will process your claim as soon as possible in order to calculate the compensation you are entitled to receive. You can relax, it will be quick.

Insurance policy documents and information

Here are the policy documents that you can view and download.

Always read the general terms and conditions carefully, in order to know precisely the conditions to be respected, the proposed guarantees as well as the exclusions.

If you still have any questions, or if you need clarification, please do not hesitate to call us at 02 588 97 16 or contact us by email : hello+be@qoverme.com. Our staff is always ready to answer any questions or concerns you may have.

Find even more information in our FAQs See FAQ
Do you already have a bike insurance with another provider?

You can take out your annual insurance policy today with a start date up to 6 months later and therefore plan to start your "Qover" policy the day after the expiry date of your current policy.

In any case, don't forget to notify your insurer of your wish to cancel your contract at least 3 months before the anniversary date of your contract.

How to cancel your contract?

You can cancel the insurance contract on the main expiry date. To do so, you must notify us in writing at least 3 months before the main due date.

You can terminate the insurance contract if we change the tariff or the general terms and conditions.

After a claim, you have one month from the date of payment or refusal of compensation to terminate the contract.

You may cancel the contract within 14 days of receiving the policy schedule and the general terms and conditions without giving any reason.

Contact us

Our team is there for you Monday to Friday from 9am to 5pm. Do not hesitate to contact us!

For any assistance with your bike, contact Qover assistance (24h/24, 7d/7): 02 541 92 01

  • This insurance policy is managed by Qover S.A., a non-tied insurance agent authorised and regulated by the Financial Services & Markets Authority (FSMA - Belgium - registration No. 0650.939.878). Registered office: Rue du Commerce 31, 1000 Brussels, Belgium.
  • Nationale-Nederlanden Schadeverzekering Maatschappij NV under Dutch law, entitled to insure Belgian risks, insurance company registered in Belgium under code number 2925. Registered office: Prinses Beatrixlaan 35, 2595 AK 'S-Gravenhage, the Netherlands - Trade Register Number DNB 27023707, supervised by the Nederlandsche Bank. Nationale-Nederlanden Schadeverzekering Maatschappij NV is entitled to provide insurance distribution services in Belgium on the basis of the freedom to provide services.
  • Europ Assistance N.V., a limited liability company (société anonyme), incorporated under French law, having its registered office at 1, Promenade de la Bonnette, 92230 Gennevilliers, France, registered in the commercial and companies register of Nanterre under number 451 366 405 and approved by the French supervisory authority (ACPR 4 Place de Budapest - CS 92459 - 75436 Paris Cedex 09, France) under number 4021295. This insurance is underwritten by its Irish subsidiary Europ Assistance n.v. Irish branch, whose registered office is at 4th Floor 4-8, Eden Quay, Dublin 1, Ireland, D01 N5W8, registered with the Irish Enterprise Registration Office under number 907089 and approved by the Central Bank of Ireland (BP 559, New Wapping Street, Dublin 2, Ireland) under number C33673. The Irish branch operates under the Irish Insurance Code of Conduct (Code of Ethics for Insurance Companies) of the Central Bank of Ireland, registered in the Republic of Ireland under number 907089. Europ Assistance S.A. delegates the organisation of the assistance services and manages the assistance and claims through its branch office Europ Assistance Belgium, VAT BE 0738.431.009 RPM Brussels, Boulevard du Triomphe 172, 1160 Brussels. Europ Assistance N.V. is entitled to provide insurance distribution services in Belgium on the basis of the freedom to provide services.
  • Bike insurance is a non-life insurance product (Branch 3). Bike assistance is a non-life insurance product (Branch 18).
  • This contract is entered into for a period of one year. It shall be tacitly renewed a maximum of two times for consecutive periods of one year.
  • This insurance contract is subject to Belgian law.