With the 'Essential' plan, your bike is covered against theft. If you choose the 'Plus' plan, you will also receive material damage coverage and breakdown assistance.
With the 'Essential' plan, your bike is covered against theft. If you choose the 'Plus' plan, you will also receive material damage coverage and breakdown assistance.
The following damages are not insured:
Please note that this list is not exhaustive. For more information, see the General Terms and Conditions.
We can only insure adult locals from Belgium and Luxembourg. This implies that, for the duration of the insurance contract, you must:
We cannot insure you, if the insurance company decides not to insure you (anymore).
You have already paid the premium? In that case, we will refund it.
The insurance is valid worldwide.
The breakdown assistance guarantee is only valid in the BeNeLux countries and 30 km beyond its borders.
In order to sufficiently protect your bike against theft, the insurer requires you to use an ART-certified (level 2 or higher) or Sold-certified (Silver or Gold) bicycle lock. When subscribing, you will need to indicate the certification mark, brand and serial number of your lock.
Please refer to the following websites for a list of certified locks:
ART: www.pvelo.be/cadenas/cadenas.html
Sold Secure: www.soldsecure.com/search
Coverage starts with the successful completion of your online payment.
The following deductibles are applicable:
| Guarantee | Mountain & race bikes | eBikes & all other bikes |
|---|---|---|
| Theft | 20% of the damage noted | 0€ |
| Damage with total loss | 20% of the damage noted* | 25€ |
| Damage without total loss | 50€* | 25€ |
| Assistance | 0€ | 0€ |
* The insurer does not take over claims below 250€
Allianz Global Assistance AWP P&C S.A. - Belgian branch
also known as: Allianz Global Assistance
Boulevard du Roi Albert II 32, 1000 Bruxelles - Belgium
Phone: + 32 (0)2 290 64 11 - Fax: +32 (0)2 290 64 19 - www.allianz-assistance.be
Registered under the FSMA number 2769. Company registration number: 0837.437.919.
AWP P&C S.A. - Belgian Branch is the Belgian subsidiary of the French insurance company AWP P&C S.A., rue Dora Maar 7 à 93400 Saint-Ouen, RCS Bobigny 519 490 080.
Vanbreda Risk & Benefits S.A. is a branch of Vanbreda Risk & Benefits.
Vanbreda Risk & Benefits is the largest independent insurance broker and risk consultant in Belgium and the leading insurance partner in the Benelux. Vanbreda has been providing solutions to the risk-related concerns of companies, public and social institutions and entrepreneurs since 1937. More than 600 employees advise over 60.000 clients in the areas of insurance, risk management and employee benefits. Our success is built on a thorough knowledge of the activities and risks of our clients and comprehensive technical know-how and service, as evidenced by a client retention rate of more than 95%.
We can help you with:
As the market leader, we have the clearest possible view of new trends in the rapidly evolving world of insurance. Our experts respond quickly and effectively by developing innovative products that meet your latest insurance needs. Protection against cyber risks is one example of this. Through the use of advanced technologies and proprietary online tools such as eServices, we improve our efficiency and simplify communication for our clients.
Through the European partnership EOS RISQ and the international affiliation Lockton Global, we are able to provide the same high-quality service to clients around the world.
Please cancel your existing contract within its cancellation period. If you need help with this, do not hesitate to contact us.
Subscribing is very easy and 100% digital. Start by calculating your premium (see next question for instructions on how to determine the value of your bike). Next, choose a plan and continue with the process by entering all the details required. You are also required to upload a photo or scan of your bike purchase receipt. Finally, you can pay for the first year via credit card or bank transfer. Upon confirmation, you will receive an email with your contract.
The value of your bike is the price you paid, as reflected on your purchase receipt. If your receipt lists any additional attached accessories, please include those as well (see next question for more information on accessories).
Accessories screwed onto the bicycle are also insured. These accessories must figure on the payment receipt or invoice and their value must be taken into account in the sum insured. They must be attached according to the manufacturer's instructions. The following accessories cannot be insured: bags, baskets, removable child seats, removable bicycle computers and GPS devices.
We offer three payment methods: credit card (Visa, MasterCard, American Express), bank transfer and direct debit mandate (SEPA).
On the second-last step of the subscription process, you will be asked to choose your payment method. If you select 'Credit card', please enter your card details and click on 'Verify'. This will verify – but no yet charge – your card. Only if you confirm the subscription at the final step, will you actually be charged.
Please note that the policy is only valid if we receive your payment in time.
No. We will charge your credit card only once for the premium for the first year. We do not save your payment information. For subsequent premiums, you will receive a personalised link to a page, where you can pay your premium for the next year.
Verification for a payment method can fail for various reasons, one of which being insufficient funds. Please try with a different card or payment method.
Should the error persist and you didn't experience any problems with this payment method with other websites, please contact us.
You will receive your contract immediately after subscribing in your confirmation email. Please allow for up to 1 hour for the confirmation email to arrive in your inbox.
You can cancel your insurance within 14 days following the subscription.
If you wish to cancel it after the 14-day period, you can at any time, but note that you need to pay the premium for the year already covered by the insurance.
If you do not receive the confirmation email within one hour, please contact us by mentioning the date and time of your subscription.
Unfortunately, the only way is online through this website.
You can find the policy number in your contract or at the top of your confirmation email.
Yes.
If you have paid the premium for the first year via credit card, you will receive a personalised link to a page, where you can pay your premium for the next year. If you chose 'bank transfer' as your preferred payment method, you will receive a payment notice via email.
Of course. Please download and complete our direct debit mandate and send it via email to bikeinsurance@vanbreda.lu.
You can declare your claim online by filling out our Claims form.
The damages to your bike need to be evaluated by an official professional repair shop of your choice. If necessary, the insurance company can order an expert to assess the damages.
We compensate the damages to your bike up to the value insured minus depreciation, minus the residual value, minus a potential deductible. A total loss occurs when the reparation costs of the bike surpass the value insured, minus depreciation and minus the residual value. A total loss can also be caused by theft or if the bike is completely lost in any other way.
Depending on the agreements with repair shops, the insurance company might be inclined to pay the compensation directly to the repair shop.
You are free to choose your preferred repair shop, as long as it's a professional mechanic running an official business.
You benefit from compensation of a maximum of 5€ per day for a replacement bike and 8.50€ per day for an electric bike, for a maximum duration of 3 days, plus any days necessary to have the damage estimated by a damage expert. You can send us the receipt of your replacement costs by adding it to the repair receipt.
You can notify us about an address, email address or phone number change by filling out our Personal Data Update form.
Please subscribe a new insurance contract online and contact us for the cancellation of your current contract.
Please contact us.
Bicycle theft is still the most common form of crime in the BeNeLux. Unfortunately, theft is not always preventable, but you can make it as difficult as possible. Here are 10 tips to prevent theft of your bike.
#1 - Put your bike in a guarded bicycle shed
To park your bike in a guarded parking facility, you often pay a small amount of money. But the risk of theft is much smaller.
#2 - Make sure your bike is in sight
Is there no guarded bicycle parking nearby? Always park your bike in sight, for example near a terrace or bus stop. Thieves will not strike easily when they are viewed. Do you want to park your bike somewhere in the evening? Then put it in a lighted spot.
#3 - Use a bicycle lock
Always lock your bike with a ring lock and a chain or underwired lock. Even if you're only away for a very short time. Always attach the chain or underwired lock to, for example, a fence, lamppost or bicycle rack. So it is not possible for thieves to pick up the bike and put it in a van.
#4 - Take the frame with you when you lock your bike
Make sure you not only pull the bike lock through the front wheel, but also take the frame with you. Otherwise, thieves can easily leave the front wheel and take the bike with them.
#5 - Wrap the bike lock tight and high
Wrap your bike lock tightly and high around the bike and the fixed object. This way thieves can't break the lock with a stone.
#6 - Lock your bike at home too
Do you park your bike at home in the barn or garage? Even then, it's a good idea to lock your bike and attach it to a fixed object.
#7 - Engrave postcode and house number on the frame
Have your postcode and house number engraved on your bicycle frame by a bicycle repairman. This does not prevent theft, but it can help you find your stolen bike.
#8 - Bring your saddle with you
Can you easily remove the saddle from your bike? Then disassemble it when you lock your bike. A bike without a saddle is worth less. If you remove your bike from the lock again, you can put the saddle back on in no time.
#9 - Pay attention to social media use
Training apps like Strava and Garmin Connect are fun to share your cycling distances with your friends. But for thieves it's quite easy to find out where sporty cyclists live and where expensive (racing) bikes are available.
#10 - Subscribe to a bike insurance
Despite good precautions, it can always happen that your bike is stolen. Make sure you have taken out a bicycle insurance. With a continuous Bicycle Insurance you will receive the purchase value back in the first three years.
Are you going on holiday? Then you can take your bike with you. The cover for theft also applies abroad.