What is the best bicycle insurance? Comparison 2023, comparison of prices of 13 Belgian bicycle insurance |

Bike insurance: price comparison

If you fall alone by bike and no responsibility is engaged, You will be compensated for your medical expenses and / or hospitalization by your social protection and your health mutual, or even your accident accident warranty if the fall leads to permanent disability.

What is the best bicycle insurance ?

The practice of cycling (electric or not) exposes to 3 types of claims: the damage to others, the damage suffered by the cyclist and the damage to the bicycle. When you know that more than 400,000 bikes are stolen each year, find out about insurance conditions is essential ! However, who compensates you in the event of a disaster on / with your bike ? What is the price of bicycle insurance ? Do certain bicycle practices force to take out insurance ? Responses !

That covers bicycle insurance ?

Among the claims that can arise by bicycle, those you could cause to others are already covered by the civil liability of your home insurance.

Bike insurance covers the material damage that can occur on your bike.

Overall, the 3 main guarantees you can have are as follows:

  • Breakdown insurance of your bicycle, if it undergoes damage in the event of a fall, accident, vandalism …;
  • Flight insurance (“classic” or flight with aggression);
  • Assistance warranty : repatriation of your bike in the event of a problem and sending a taxi to recover you.

In addition, many options will be offered to you : equipment warranty, option “without obsolescence” (replacement to new), guarantee use in competition, etc

Is an electric bicycle insurance compulsory ?

Insurance of an electric bike is compulsory as soon as its speed exceeds 25km/h. This is explained by Directive 2002/24/EC of the European Parliament which classifies these VAEs (electrical assistance bike) in the cyclical category.

Below the 25km/h threshold, electrical assistance bikes are however considered “classic” bikes. They are not subject to the insurance obligation and are authorized to drive on the cycle paths. If the subscription of insurance for electric bikes is not compulsory, the purchase price of an electric bike alone can justify the subscription of insurance against theft and accidents (civil liability).

In the event that your electric bike exceeds 45 km/h, you must subscribe, at least, to third -party insurance in order to benefit from civil liability. Likewise, your electric bike should be registered. Wearing a helmet, the detention of a gray card and the prohibition to drive on the cycle paths will also concern you.

A lack of registration or insurance can cost you up to € 3,750.

Bike insurance: how to be compensated in the event of a claim ?

��1️⃣ Remember to keep your bike bill Since it will be claimed for your compensation in the event of theft;

��2️⃣ Give your bike : This is the best way to find your bike and prove your good faith to your insurance. For a minimal sum (between 5 and 10 €), you can record your bike or electric bike in a national register;

��3️⃣ Remember to use an anti -theft bicycle approved by your insurance (Examples: abuse, kryptonite, axa) and attach your bike by the frame and one of the wheels to a fixed point. If you cannot prove to your insurer that you have an anti-theft or that you have attached your bike well to a fixed point, it may reject your request for reimbursement in the event of theft.​

How to play my insurance in the event of theft of my bike ?

Today in France, more than 1,000 bikes are stolen every day. Unfortunately, if you use your bicycle daily, the probability that you are the victim of a flight exists. Here are our tips and the steps to take with your insurance in the event of theft of your bike:

Step 1 : Go file a complaint to declare the flight of your bike. It’s the first thing to do. A report (PV) will be given to you by the police station or the gendarmerie and will be requested by the insurance at the time of the declaration of the flight of your bike. In addition, it is the only way to have a chance to find your bike one day. To save time, you can fill out the pre-plain form directly online.

Step 2: Turn to your insurer. In some cases, your home insurance may compensate you for theft. Otherwise, bicycle insurance is a little luxury to anticipate. For a few tens of euros per year, you are covered for all claims related to your bike. Without that, your only hope will be to wait for the police to find it, which is very rare.

Step 3: Following your declaration of claim to insurance and sending the necessary supporting documents (Flight declaration, bicycle invoice, brand and cycling model), you will receive compensation depending on the conditions of your contract. Generally, the reimbursement of your bicycle insurance will be fixed, depending on the original value of your bike.

In the event of a bicycle flight, be reactive. Most insurance requires that the declaration of the claim be made in the days following the flight. It would be a shame to miss out on the care because you let the time run !

Home insurance can compensate me for theft of my bike ?

Unlike cars and motorized 2 wheels, daily practice as punctual bicycle does not impose the compulsory subscription of insurance. Nevertheless, subscribe to a coverage will protect you in the event of theft of your bike.

At first, it is therefore necessary to verify that you are not already covered by one of your insurance contracts. Indeed, in the event of theft of your bike your home insurance contract or an optional warranty (sports and leisure guarantee, travel) may possibly take charge of the reimbursement of your mount under certain conditions:

  • If your bike is in your home or car. Ex: in the event of theft with break -in;
  • If your bike is outside your home. Ex: in the event of theft of a bicycle attached in the street thanks to an anti -theft or in the event of assault;
  • If you have not exceeded the annual number of flights covered by your home insurance contract or the ceiling of the guaranteed amount.

To find out if your home insurance covers you in the event of a claim linked to your bicycle, here is the insurance details MRH taking charge of this risk in their coverage. In some cases, the bicycle insurance option is free on request:

Insurer Price Notice Estimate
Groupama
Multirisque home insurance
0 € Compensation in the event of theft of the bicycle at home, if there has been a break -in.
Responsibility in damage caused to third parties supported by the civil liability of insurance MRH.
Our recommendation.
Online quote
BRIS option and level 2 flight of the Allianz Home contract According to housing conditions. The bicycle is guaranteed up to € 1,500 outside the home, if value> € 1,500 flight coverage in the event of break -in in a bicycle/flight room on public roads and assault, coverage maintained on vacation. Agency quote
Multirisque home insurance According to housing conditions Covers the flight in the accommodation, possibility of subscribing an option to home insurance if bike outside In agency
Gan Perp
Protection warranty Extended for the home contract
According to housing conditions Covers the flight of bicycle, does not cover the flight of bicycle on the public highway or in a collective room in the absence of an anti -theft device In agency
Habitation tempo According to housing conditions Theft of the covered bicycle inside the home provided that its amount is included in the furniture capital In agency
Home insurance (Formula 2 optional or formula 3) According to housing conditions Theft of the bike covered in all places, coverage in other countries of the world as soon as the stay does not exceed 1 year In agency
Option “Bicycle” of home insurance Protective formulas from € 8.50 per month including tax Covers the flight of the bicycle to the home, on the move and outside, mountain bikes, covers the racing bikes In agency
MMA Logo Velo Insurance
Home insurance guaranteed flight in all places
According to housing conditions Ensures leisure equipment in the event of theft outside the home and in a foreign country In agency
MATMUT-VELO insurance
Torn -off flight or assault in any place
From € 12 per month (online quote) Compensation capped at € 1,500 In agency
Optional Vol Guarantee Home Insurance According to housing conditions 48 hours to declare the claim from its occurrence or from the day the victim is aware of it In agency

Compensation is very often capped and you can only declare one flight per year. For example, if your bike is subtracted after a month of insurance, you will not be able to cover your new machine before the following year with the same insurer.

Bicycle accident: what insurance covers me ?

If you cause or are the victim of a bicycle accident, several insurance contracts can intervene:

  • Your liability guarantee If you are responsible for the claim and you must compensate a third party;
  • Civil liability of the motorist or biker who caused you the damage (via his car or motorcycle insurance);
  • The civil liability of a pedestrian or another cyclist (via his home insurance contract).

If you fall alone by bike and no responsibility is engaged, You will be compensated for your medical expenses and / or hospitalization by your social protection and your health mutual, or even your accident accident warranty if the fall leads to permanent disability.

If your child is the victim of a bicycle accident, know that many school insurances cover this risk. Ask your insurer !

A dedicated bike or electric bike insurance would allow you to request the repair or reimbursement of your two wheels: the insurer will then take charge of the replacement or repair costs (parts and labor billed by the workshop). By going through a partner of the company, you will not even have to advance the costs.

Regarding the insurance of electric bikes, it should be verified that civil liability does not practice exclusion. We advise you to check it with your insurer.

What insurance for a rental bike ?

If you rent a bike, electric or not, Via a specialized professional, you will generally have insurance included in the rental rate.

In some cases, the rental does not include insurance (rental between individuals for example) and you will be held responsible in the event of damage to the two-wheeler. As such, it would be more prudent to take out short -term bicycle insurance. For a few euros, you will enjoy the serene spirit of your rental. In the event of a glitch, the costs can quickly be substantial on electric bikes, it is better to protect themselves from it !

Competition bike insurance: how to choose ?

You are a diligent cyclist and you want to take out insurance for your competition bike ? If you are dismissed in a club, competition bicycle insurance may be compulsory. Civil liability is then taken out by membership of the federal contract with the French cycle tourism federation.

Body insurance can be taken out optionally in accordance with article L. 321-4 of the Sports Code. Additional individual guarantees can also be taken out according to the mini bracn, small gear and large gear.

Our ranking of the best bicycle insurance Offer you an overview of the best competition bike covers. Save time !

Bicycle courier: what insurance ?

If you are a bicycle courier via a platform, you can benefit from coverage via the latter. If you carry out your activity as an independent, here is what you need to know to exercise your courier activity in peace:

  • Professional civil liability (RC Pro) is compulsory for couriers: it covers you in the event of damage caused to your customer;
  • Civil liability (RC Exploitation), if you cause bodily or material damage to a third party;
  • Legal protection, To defend you in the event of conflicts following an accident;
  • Your bike insurance : via your home insurance or specific bike insurance.

What is the price of a bike insurance ?

The cost of bicycle insurance is generally minimal for possible compensation In the event of a claim or theft linked to your bicycle. Depending on the practice and the type of bicycle you want to provide, the price of bicycle insurance will be between 25 € and 150 €/year.

Bike flight, how to be compensated by my insurance ?

Two covers can cover you in the event of a bicycle flight : specific bicycle insurance or home insurance. Before contacting your insurer, you must go and declare the flight of the bicycle to the police station. The complaint will generally be required by your bicycle or home insurance.

Does my credit card insurance cover the theft of my bike ?

You have bought your bike with your bank card and you ask if the latter can ensure your purchase ? Unfortunately no. However, your home insurance can cover you in certain specific situations.

What insurance for a used bike ?

The price of bicycle insurance is mostly indexed to the value of the two wheels. Ensuring a used bike will therefore be inexpensive but, in the event of theft or breakage, compensation will take into account the value of your bike when subscribing to insurance.

Bike insurance: price comparison

Electric or classic bike

More than 300 bikes are stolen* every day in Belgium: Take bicycle flight insurance !

And bicycle assistance that will help you in the event of a puncture or breakdown.

We compared the prices for the following guarantees (flight, assistance and damage) of 13 companies for an electric bike worth 1.000 € and a value of 2.000 €. In the great majority of the companies you can also subscribe to the card guarantees according to your personal needs.

Prix ​​of 13 bicycle insurance in Belgium in 2023

  • 3 years in new value
  • Used bike accepted (3 years max)
  • Immediately insured online
  • Credit card payment
  • 2 years in new value
  • 1 service.000 DVV advisers
  • Assistance in the event of a breakdown, punctured tire, flight or accident
  • Mountain biking and racing bikes: € 500 franchise
  • € 5 costs to establish the contract
  • 2 years in new value
  • Covered if you lend it
  • Flight without franchise
  • Assistance cannot be sold alone
  • 1 year in value
  • Card guarantees
  • Flight without franchise (except Brussels)
  • 3 years in new value
  • Elderly bikes -12 months
  • 10% deductible to pay
  • 1 year in value
  • Accessories up to 300 €
  • Covered helmet up to € 125
  • Franchise of 50 €
  • 1 year in value
  • 50 € deductible
  • Pack of 2 guarantees imposed
  • Monthly subscription
  • Immediately insured online
  • Payment by credit card or domiciliation
  • Covered accessories up to € 200
  • Guaranteed mobility: loan of a bicycle or compensation
  • € 50 of omnium franchise
  • New value: no information communicated
  • 1 year in value
  • Covered helmet in the event of an accident
  • Accepted: scooter (electric), hoverboard, single-wheeler, sock and electric wheelchair
  • Calculate, subscribe and pay online
  • € 12 reduction with the family
  • Flight in a pack
  • 2 years in new value (then -1.5%/month)
  • No deductible
  • Elected Trophy Decavi 2022
  • Flight of accessories not covered (battery)
  • Pack of 3 guarantees imposed
  • No online calculation or via the app
  • 3 years in new value
  • Used bike accepted (3 years max)
  • Immediately insured online
  • Payment by credit card or domiciliation
  • 2 years in new value
  • Assistance even in the event of a discharged battery
  • 0 € deductible in the event of theft
  • Franchise of 500 € MTB and racing bikes
  • € 5 costs to establish the contract
  • 2 years in new value
  • 0 € DEPD DEPD OF 100 € DESS
  • Covered if you borrow a bicycle
  • Flight without franchise
  • 3 years in new value
  • Elderly bikes -12 months
  • Valid assistance if flat battery
  • 10% deductible to pay
  • 1 year in value
  • Card guarantees
  • Fire of the covered battery (omnium)
  • Flight without franchise (except Brussels)
  • No assistance if battery discharged
  • 1 year in value
  • 50 € deductible
  • Pack of 2 guarantees imposed
  • Monthly subscription
  • 1 year in new value (invoice)
  • Immediately insured online
  • € 100 in flight deductible
  • 1 year in value
  • Accessories up to 300 €
  • Covered helmet up to € 125
  • Franchise of 50 €
  • Battery flight Only not covered without further damage
  • 18 months without discount
  • Not covered in flight in Brussels according to parking
  • Deductible from 25 € to 50 €
  • Pack of 3 guarantees: flight, assistance and damage
  • Covered accessories up to € 200
  • Guaranteed mobility: loan of a bicycle or compensation
  • € 50 of omnium franchise
  • New value: no information communicated
  • 1 year in value
  • Covered helmet in the event of an accident
  • Accepted: scooter (electric), hoverboard, single-wheeler, sock and electric wheelchair
  • Calculate, subscribe and pay online
  • Assistance with replacement bike
  • € 12 reduction with the family
  • Flight in a pack
  • 2 years in new value (then -1.5%/month)
  • No deductible
  • Elected Trophy Decavi 2022
  • Flight of accessories not covered (battery)
  • Pack of 3 guarantees imposed
  • No online calculation or via the app

*25.000 to 35.000 flights of bikes are declared to the police each year but would represent only 35% of flights, 65% of cyclists would not file a complaint which brings the real figure of thefts to 100.000 bikes per year in Belgium.

The purchase of a conventional or electric bike is a significant investment and the flights of bicycles are common, not to mention a punctured tire or a breakdown. Flight and bicycle assistance insurance are wise choices.

The particularities of bicycle insurance

ETHIAS ASSURANCES

Ethias bike & More bike insurance is interesting price level because it is an ultra complete pack that offers the guarantee of serenity and many advantages if you are already Ethias customer for your car insurance for example.

Axa

Axa offers a Bike comfort insurance+ for bikes under a year and less than 4.000 €. This is a pack with theft, damage and assistance. If you have several transport machines (bike, electric scooter, segway, monowheel, hoverboard, electric skateboard or electric wheelchair), you can group everything in a single contract while paying a supplement for each machine. You benefit from a reduction of € 12 if your family insurance is at AXA. Calculation, subscription and online payment: your contract is sent by email.

Qover me

Qover is a digital insurance agent who offers NN Insurance bicycle insurance. This insurance is a pack in flight insurance+bicycle assistance. Almost 20% discount is granted if you install a GPS tracer on your bike (€ 10/year excluding purchase and installation). Qover suits me further than competitors by compensating you 100% of the purchase value of your bike up to 3 years. Dimol, there is a 10% deductible but which is capped at € 200.

Yuzzu

Yuzzu (ex-Touring Insurance) is a direct insurance company that offers bicycle insurance without franchise in flight. At Yuzzu, your bicycle keeps its value to nine for 2 years. The icing on the cake: 0 € omnium deductible if the amount exceeds € 100. Advantage: the Vélo flight guarantee can be chosen alone which is rarely the case among competitors. Bike assistance, however, must be taken with another guarantee.

Allianz Assistance

Allianz assistance bicycle insurance is very advantageous because it is not expensive, allows you to opt for the flight and compensate your bicycle 100% for 3 years. You can calculate, subscribe and pay online with a credit card. Used bikes that have less than 3 years old are even accepted which is very rare. Discharged batteries are not covered by assistance. There is a deductible only on mountain biking and omnium racing bikes (€ 50 and 20% in the event of total loss)

Is bicycle insurance compulsory ?

No, if your electric bike is just pedaling assisted (that is still to pedal), a “rc bicycle” is not compulsory but in the event of an accident caused to others on the handlebars of your bike, your responsibility is committed of course and it can cost you dearly. So what insurance will pay for the damage you could cause? It is classic family RC insurance that will intervene.

What does the law say in Belgium ?

Since June 2, 2019, all vehicles with an autonomous speed * maximum of 25 km/h have been ensured in your family insurance, it is therefore no longer necessary to take out RC insurance for your bike or your electric scooter.

* Autonomous speed means the speed that the vehicle can reach by the only engine force without pedaling or pushing.

A legal framework for motorized travel vehicles

In application since June 02, 2019:

  • Motorized devices whose maximum speed is limited to 25 km/h: For electric bikes, hoverboards, segways, electric trotters, electric wheelchairs, whose maximum speed reachable by the only engine is limited to 25 km/h, no insurance is compulsory. But if you have taken out family insurance, you are covered via the RC of it.
  • Speed ​​Pedelecs (with pedaling assistance) whose speed is greater than 25 km/h (max 45 km/h): For Speed ​​Pedelecs, which thanks to pedaling assistance, reach speeds greater than 25 km/h (up to maximum 45 km/h), no insurance is compulsory. Here too, you are covered via the RC of your family insurance. Please note: you must register your speed pedelec at the div.
  • Speed ​​PEDELECS (without pedaling assistance) and other motorized devices whose speed is greater than 25 km/h: For speed pedelecs which, independently (that is to say without pedaling), can reach a speed greater than 25 km/h (max 45km/h) as well as for monowheels, segways, hoverboards and electronic scratches that reach speeds greater than 25km/h, moped RC insurance is compulsory.

Why take out cycling flight insurance ?

Why take out bicycle insurance ? Given the growing number of flights in our country each year, flight insurance can be interesting if your new bike costs a minimum of 1.000 euros and you have just bought it. Below this purchase price, we recommend that you do not take insurance against theft, given the conditions required and rapid depreciation of the latter granted (loss of value) this will not be interesting.

Why take out a bicycle assistance ?

An accident, a technical defect, a battery problem or simply a punctured tire, can quickly become a problem when traveling. A bicycle assistance helps you 24 hours a day, in the event of an accident, breakdown, punctured tire, problem of battery, vandalism, flight or attempted theft.

To meet your needs, all companies do not offer all guarantees, some only offer omnium, or even assistance.

And for the damage I can cause to others ?

When you run with your 2 wheels (classic) your responsibility is already automatically covered by your family RC insurance, If you cause an accident when you travel on the public highway. If you do not have one yet it is strongly recommended to subscribe one that covers you as well as people living under your roof.

* Autonomous speed means the speed that the vehicle can reach by the only engine force without pedaling or pushing.