Qover-me Bicycle Insurance

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The different coverages

Protection against theft
Let’s say you go for a drink and despite locking your bike properly, someone manages to steal it. We’ll refund its full value. And we don’t charge you any excess, nor do we take into account bike value depreciation in the first three years.

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).

Protection against material damage
We pay for repairs to your bike when material damage has been caused by an accident, vandalism, flood, or fire and other external events. An excess of £35 applies.
Emergency expense
You have an accident and are blocked in the middle of nowhere ? We know it can be annoying. That's why we’ll cover up to £ 200 to pay for a taxi or train to complete your journey. ‍ After a theft or an accident you can rent a replacement bike during the period where you are left stranded and we’ll pay for you.

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 an approved lock - either ABUS BORDO (security 10 or higher), ART (category 2 or higher), FUB (2 wheels or higher), or Sold Secure Silver (or Gold) - and must have been attached to a fixed point during its theft.
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 Terms & 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

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 0800 048 8899 or contact us by email : hello@qoverme.com. Our staff is always ready to answer any questions or concerns you may have.

Find even more information in our FAQs

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 respecting the delay indicated in your Terms & Conditions.

How to cancel your contract?

You can cancel your insurance if a renewal of your insurance is offered. You must notify Qover no later than 10 days before the start date of your new policy.

After a claim, you have 15 days 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.

Our team is there for you Monday to Friday from 8am to 4pm. Do not hesitate to contact us!

Got a specific question? We’re happy to help.

Legal mentions

This policy is administered by Qover SA. Qover is a Belgian untied insurance agent registered with the Financial Services and Markets Authority of Belgium under the code 0650.939.878 with registered address Rue du Commerce 31, 1000 Brussels. Deemed authorised and regulated by the Financial Conduct Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.
Theft and material damage coverage is taken out with Wakam. Wakam is a limited company registered with the Paris Trade and Companies Register (Registre du Commerce et des Sociétés) under number 562 117 085 operating through its UK Branch whose principal place of business is 18th & 19th Floors, 100 Bishopsgate, London, EC2N 4AG. Authorised and regulated by the Autorité de Contrôle Prudentiel et de Résolution. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.
Bike insurance is a non-life insurance product (Branch 3).
This contract is entered into for a period of one year. The contract may be renewed twice for two further periods of one year each.
This insurance contract is subject to the laws of England and Wales.