Frequently asked questions

This page is split into 4 sections (click on the link to jump to the corresponding section):

Everything you need to know about the insurance

What is covered?

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.

If you are a resident of the Netherlands, you will also receive legal protection (in both plans).

What is not covered?

The following damages are not insured:

  • Wear, insufficient maintenance and meteorological influences over time.
  • Pieces that would break even if no accident had happened.
  • Damages to the tires, skirt guard, chain case, chain-adjusters, cables, bell, lights, as well as damages caused by claws and scratches. However, these items are insured if the rest of the bicycle is damaged as well.
  • Damages to the battery, if it wasn't new at the time of the subscription.
  • Damages to the battery while it was still functioning normally.
  • Damages to parts of the bicycle that can easily be detached, like batteries, bicycle computers and GPS devices. However, these items are insured if the rest of the bicycle is damaged as well, as long as these items are part of the default bicycle configuration or as long as they are insured as attached accessories.
Who can get this insurance?

We can only insure adult locals from Belgium, Luxembourg and the Netherlands. This implies that, for the duration of the insurance contract, you must:

  • be registered at your place of residence in Belgium, Luxembourg or the Netherlands;
  • actually live in Belgium, Luxembourg or the Netherlands.

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.

Where are the guarantees valid?

The insurance is valid worldwide.

For residents of Luxembourg and Belgium, the breakdown assistance guarantee is only valid in the BeNeLux countries and 30 km beyond its borders.

For residents of the Netherlands, the breakdown assistance guarantee is only valid in the Netherlands and 30 km beyond its borders.

When does coverage start?

Coverage starts with the successful completion of your online payment, i.e. the day following your subscription if everything worked fine.

Are there any deductibles?

The following deductibles are applicable:

GuaranteeMountain & race bikeseBikes & all other bikes
Theft20% of the damage noted0€
Damage with total loss20% of the damage noted*25€
Damage without total loss50€*25€
Assistance0€0€

* The insurer does not take over claims below 250€

For residents of the Netherlands choosing the 'Plus' plan, there is also a 250€ deductible on the legal protection guarantee if a non-insurer appointed attorney is chosen.

Who is the insurer?

For Luxembourg & Belgium, the insurer is:

Allianz Global Assistance AWP P&C S.A. - Belgian branch
also known as: Allianz Global Assistance
rue des Hirondelles 2, 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.

For the Netherlands, the insurer is:

Allianz Global Assistance AWP P&C S.A. - Dutch branch
also known as: Allianz Global Assistance
Poeldijkstraat 4, 1059 VM Amsterdam – Nederland
Phone: +31 (0)20 561 87 11 - Fax: +31 (0)20 668 40 91 - www.allianz-assistance.nl
Registered under the AFM number 12000535. Company registration number: 33094603
AWP P&C S.A. - Dutch Branch is the Dutch subsidiary of the French insurance company AWP P&C S.A., rue Dora Maar 7 à 93400 Saint-Ouen, RCS Bobigny 519 490 080.

Who is Vanbreda & Lang?

Vanbreda & Lang 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:

  • insurance advice: concerning assets, people and liability;
  • risk management: we can improve your risk profile and limit the cost of your risks in order to develop optimum risk financing;
  • management of claims: our claims departments are all specialists in their field and together they will handle all your claims, from contamination damage to medical liability and building damage.

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.

How do I transfer from an existing insurance?

Please cancel your existing contract within its cancellation period. If you need help with this, do not hesitate to contact us.

Everything you need to know about the subscription process

How do I subscribe to this insurance?

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.

How should I determine the value of my bike?

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).

  • During the subscription process: you will be asked to upload your purchase receipt.
  • In case of a claim: the insured value must be proven based on a purchase receipt or invoice.
What do you mean by 'attached 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.

How can I pay?

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.

If I pay via credit card, will I automatically be charged every year?

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.

There was an error with my payment. What should I do?

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.

When do I get my contract?

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.

I have just subscribed, but I have changed my mind. What should I do?

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.

I haven't received a confirmation email. What should I do?

If you do not receive the confirmation email within one hour, please contact us by mentioning the date and time of your subscription.

I don't want to subscribe online. Is there any other way to get the insurance?

Unfortunately, the only way is online through this website.

Everything you need to know if you are an existing client (includes claims)

Where do I find my policy number?

You can find the policy number in your contract or at the top of your confirmation email.

Does the insurance renew itself automatically after the first year?

Yes.

How do I pay the premium after the first year?

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.

Is it possible for the premium to be collected automatically via direct debit?

Of course. Please download and complete our direct debit mandate and send it via email to bikeinsurance@vanbredalang.lu.

How can I make a claim?

You can declare your claim online by filling out our Claims form.

How do you assess and compensate a damage?

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.

How do you calculate the compensation?

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.

If repairs are required, do I need to pay for them in advance?

Depending on the agreements with repair shops, the insurance company might be inclined to pay the compensation directly to the repair shop.

If repairs are required, can I choose the repair shop?

You are free to choose your preferred repair shop, as long as it's a professional mechanic running an official business.

Will you provide a replacement vehicle in case of a damage?

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.

How can I change my personal details?

You can notify us about an address, email address or phone number change by filling out our Personal Data Update form.

I have bought a new bike as a replacement of the bicycle currently insured with you. What should I do?

Please fill out our Replacement form.

How can I change the plan of my contract?

Please contact us.

How can I cancel the insurance?

Please contact us.

General tips and advice

8 tips for cycle safety
  1. Wear a helmet at all times – parents should set an example for children. If you fall, the helmet usually gets damaged and needs to be replaced: it stops to offer adequate protection
  2. Intersections are particularly dangerous for cyclists: pay extra attention
  3. The rules of the road also apply to cyclists, and you should use a hand signal when turning
  4. Reflective strips and light- and bright-colored clothing help car drivers to spot you quicker
  5. Don't cycle against the traffic unless especially authorized
  6. Don't cycle if you're under the influence of alcohol or medicine
  7. Making phone calls, texting and listening to music are all dangerous distractions
  8. Be particularly careful when crossing from a cycle path onto the road
10 tips to prevent bicycle theft

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.

Which bicycle lock should I buy?

You need a strong chain, U-shaped or folding lock with a minimum purchase value of 30€.

Please also refer to ART-certified locks, as these are preferred by insurance companies. Please visit the following website for an exhaustive list:

www.pvelo.be/cadenas/cadenas.html

Question not answered?

We're here to help. Please contact us via email or phone.