Find answers on everything to do with Qover-me bike insurance.

Yes, if these places are not accessible to other people outside and there are signs of break-in.

Yes, but only if it is secured to a fixed point by the frame with an approved lock.‍

There are many different types of bikes and it is not always easy to find your way around (mountain bike, BMX, Gravel, racing, trekking, fully suspended, ...) When selecting the cover you need, you can choose between 4 different types of bikes, each with the equivalent in electric version. To identify which type of bike you have purchased, you can first look to see if it is mentioned on your purchase invoice. If this is not the case, here are a few tips: (read more)

Whether it is a new or used bike, it must be less than one year old at the time of purchase. If your bike was purchased more than 12 months ago, we will unfortunately not be able to insure it.

Not only the policyholder, but also all persons who use the bicycle with the policyholder's permission.

Abus has launched a new range of connected locks (SMARTX) without a physical key. You can use this type of lock with the Qover-me insurance as long as the security of the lock corresponds to the minimum required by the general conditions (ABUS level 10 minimum) In the event of theft of the bicycle we will ask you to prove to us via a screenshot of the Abus application that your lock was properly secured when it was stolen.

Yes, your bicycle is also covered against material damage during transport. (click here for more information)

Qover will notify you of your contract renewal at least 28 days before your policy’s expiry date. You may decide to cancel the renewal no later than 10 days before the start date of the new policy. You may cancel your policy at the latest 15 days after payment or upon refusal to pay compensation in respect of a claim. The policy will expire 15 days after the date of notification. You may cancel your insurance within 14 calendar days of purchase or of receiving the contract.‍

The theft and material damage coverage is valid for incidents in EU Member States, the United Kingdom, Northern Ireland, Andorra, Monaco, the Vatican, Iceland, Liechtenstein, Norway, San Marino and Switzerland.

The bicycle must be locked with a ABUS BORDO (security 10 or higher), ART (category 2 or higher), FUB (2 wheels or higher), or Sold Secure Silver (or Gold) bicycle lock AND used in accordance with the manufacturer's instructions. The bike must ALSO be locked to a fixed point (e.g. a post) at the time of the theft.You must file a statement concerning the theft of your insured bike with the relevant police authorities within 24 hours of the incident.You must supply the purchase invoice of your bike when filing a claim for compensation.You must file your claim as soon as possible after the incident and within 8 days of the time when you became aware of the incident.The information you supply when taking out the policy must be accurate.If the bike is more than 30 days old, you must supply photographs when taking out the policy.‍

We cover material damage to the insured bike.

We insure bikes against theft and damage caused in the event of theft or attempted theft, as well as theft or attempted theft caused by assault.

We cover all types of two- and three-wheeled bikes that can only be started and propelled by human force, or the assistance speed of which, if applicable, does not exceed 15.5 mph. ‍ We also cover second-hand bikes, provided they are fewer than 12 months old at the time of purchase. In the case of second-hand bikes and new bikes over 30 days old, we will ask you to send us recent photos of your bike when taking out the policy.