Insurance comparator bicycle and electric bike

Minimum compensation guaranteed

Insurance: comparison table

Discover the analysis and comparison of 12 Belgian bicycle insurance that cover the bicycle flight. These data date from April 2023 and do not want to be exhaustive.

12 Belgian bicycle insurance that cover the bicycle flight

Discover the analysis and comparison of 12 Belgian bike insurance that cover the bicycle flight. These data date from April 2023 and do not want to be exhaustive.

With the support of Brussels-Mobility, Pro Velo wrote a comparison (non-exhaustive) of bicycle insurance in Belgium. In 2023, 12 bicycle insurance switched to fine and analyzed to help you make the right choice according to your needs.

For each insurance, an estimate of the annual premium to be paid was carried out for 3 types of bikes, different values. These quotes were made online in mid-April 2023, on the basis of a bicycle of less than a year. The value indicated being the value ensured (accessories included).

It should be noted that speed pedelecs, pocket bikes, scooters and all vehicles two and three wheels with a combustion engine are never covered.

For more details on each product, click on the insurer’s name:

Other bicycle insurance companies exist, as parachut and its “Mobiliti” coverage, which covers all the equipment and not only bikes. As a reminder, this comparison is not intended to be exhaustive.

Read also :

Bicycle insurance: the 4 covers

Insurance companies in Belgium do not all offer the same guarantees. Pro Velo explains the 4 possible types of covers to which you have to pay attention before ensuring your bike.

Seven tips for attaching your bike

Equipped with a good padlock (or two, it’s even better) and by following our advice, you reduce the risk of your bike flight by more than 90 % !

What to do after the flight of your bike ?

Your bike has been stolen ? Here are the steps to do to maximize your chances of recovering it.

Advice on the same subject

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Bicycle insurance: the 4 covers

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Insurance comparator bicycle and electric bike

Get an online rate for your bike insurance: mountain bike, electric bike, cargo bike, . VAEs with electrical assistance after 25km/h are not insured.

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Bike insurance comparison table

The tables below compare the various guarantees of bicycle or electric bike insurance. You can also compare prices using our prices comparator above.

General informations

Philtr promo code

-15% via the subscribe button above
1 month offered via Philtr
-15% via the Philtr link
Insurly (1 month offered)
Getsafe Insurance Ag
National Nederlanden
Carrefour Assurances

Possibility of monthly payment

Several franchise choices

Yes (including franchise 0 €)
Yes (including franchise 0 €)

Maximum coverage duration after new purchase

Time limit after new purchase to ensure the bike

Possibility of ensuring a used bike

Yes (new purchase invoice required)
Yes (new purchase invoice required)
Yes (new purchase invoice required)
Yes (bike under 3)

Maximum warranty ceiling

List of approved anti -thefts

Art Level 2 or +, Sold Secure Gold level or +, or CNPP security level of 7/10 or +
FUB 2 wheels, SRA, SoldSecuregold and +, CNPP 7 and +, Art 2 and +, Abuse 10/15, AXA 10/15

SRA, FUB 1 wheel or +, Kryptonite 5/10 and +, art1 or +, Sold Secure Silver and +, abuse (7/15min), AXA (7/15 min), .

Bordo abuse, art, fub, or sale secure silver

Number of anti -thefts requested

Oblivement of engraving / bicycle marking

Comparison: Vol, breakage, breakage, RC, assistance and indidivid accident guarantees

�� Damage

Insurance

Optional warranty
Optional warranty
Optional warranty
compulsory guarantee
compulsory guarantee
New value to the second year, then 1% per month (from the date of new bicycle purchase.))

New value, the 2 years following the date of purchase of the new bike, then 1% per month (from the date of new purchase of the bicycle.))

None the first 3 years. Then 25% the 4th and 50% the 5th year.

No dilapidated the 1st year if new bikes, then 1% / month from the date of initial purchase (new)

Choice: 0 € or 10% of the loss amount
10% of the value of the bicycle

Application of the franchise on

amount of compensation
amount of compensation
compensation value

Minimum compensation guaranteed

Yes, 100% (no dilapidated)
Yes, 50% of the value of the bicycle
Yes, 50% of the value of the bicycle
Yes, 50% of the value of the bicycle
50% of the value of the bicycle

Bike repair

Replacement of the bicycle if impossibility of repair

Damage following an accident

Damage following a fire

Damage following a fall without third party identified

Damage following a fall with identified third party

Damage following an act of vandalism

Damage following a natural disaster

Damage following an attack, an act of terrorism

Damage suffered during road transport

Damage suffered by the accessories fixed at the bicycle

Damage suffered by clothing, objects transported

Damage suffered by accessories not fixed at the bicycle

Damage following projection of corrosive substances

Aesthetic damage

Damage during competitions

�� Flight

Value to new up to the 2nd year, then 1% / month (from the new date of purchase of cycling)
Value to nine the 1st year, then 1% / month (from the date of new bicycle purchase)
None the first 3 years. Then 25% the 4th and 50% the 5th year.

No dilapidated the 1st year if new bikes, then 1% / month from the date of initial purchase (new)

Franchise calculated on the basis of the

the amount of compensation
the amount of compensation
the amount of compensation
amount of compensation

Minimum compensation guaranteed

50% of the value of the bicycle
50% of the value of the bicycle
50% of the value of the bicycle
50% of the value of the bicycle

Flight of fixed accessories

Yes, max 400 € per claim

Flight by break -in of the approved anti -theft

Flight by break -in of a private premises closed with a bike attached to a fixed point

Aggression / violence flights

Flight on trailer with approved anti -theft attachment

Flight to roof gallery with approved anti -theft

Flight on bicycle door with approved anti -theft

Flight without SRA or FUB approved anti -theft

Flight without marking or recording on a national basis (Paravol, Bicycode, Recobike)

Compulsory frame number

Flight on trailer, roof gallery, bicycle door without approved anti -theft

Flight in an automobile

Flight following a scam, a breach of trust

Flight of accessories not fixed at the bicycle

☂️ Individual accident

Compensation in the event of total work interruption (ITT) of more than 90 days

Compensation in the event of permanent and total disability

Compensation in the event of death

Compensation in the event of total work interruption (ITT) of less than 90 days

Damage while the insured was intoxicated

Damage intentionally caused by the insured

�� Assistance

Troubleshooting or towing to a repairer

Cyclist routing and luggage at home / a repairer

Back and support for children at home

Replacement bike during the immobilization of your bike

Babysitting fees

Non -repairable puncture; transport to a repairer or at the home of the cyclist, cycling and luggage

Blocked or lost key padlocks: home transportation (bike, cyclist, luggage)

Anticipated return in the event of hospitalization of a family member

Assistance if immobilization of the bicycle for interview

Assistance following a disaster linked to a natural disaster

��️ Civil liability

Corporal damage caused involuntarily to a third party followed by a complaint

Material damage caused involuntarily to a third party followed by a complaint

Intangible damage caused unintentionally to a third party followed by a complaint

What is the best electric bike insurance ?

From our point of view, the bicycle insurance that offers The best guaranteed / price ratio is Hepster bicycle insurance which covers theft and damage with a very advantageous rate.

The best bicycle insurance in terms of Flexibility in subscription, To choose your options or your franchise, is that of Sharelock.

Finally, the best bicycle insurance for cyclists looking for a Full assistance is the bicycle insurance offered by Qover .

Compare bicycle insurance prices

We have set up a comparator allowing you to directly compare prices and guarantees in 3 clicks and without personal data. It is enough for you to inform the type of bicycle, the postal code and the value of the electric bike purchased.

The comparator will then tell you several bicycle insurance offers or electric bicycle insurance with different options: breakage / damage, flight and assistance. You can also benefit from certain promotional offers (reduction or month offered) thanks to the Philtr comparator.

Electric bike insurance rate

The rate of insurance for an electric bike is 40 € per year at 250 € per year Depending on the guarantees, insurance and especially the price of the insured bicycle. It will cost you cheaper to assure only the breakage and the hardware damage, rather than the theft of your bike. However, we recommend insuring it against theft and breakage.

Insurance that includes assistance also cost more, but they are useful in the event of a puncture or in the event of an impossible repair with for example the management of a taxi for you and your loved ones.

A detailed comparison

In 3 clicks, you get an insurance comparison of electric bicycle which tells you a lot of information to make an informed choice: price, guarantees, applied dilapidated, franchise, possibility of monthly or annual payment, support for stolen accessories, etc.

You also access a detailed comparison thanks to a table indicating precisely the differences between the offers. Some insurances also offer a promotional offer with a reduction percentage or a month offered.

Finally, we have set up a completely transparent rating system for electric bicycle insurance. This system indicates a note in 100 according to different criteria related to guarantees and commercial offer. Unlike many comparators where rating information is not transparent, you can consult here all the criteria for assessing insurance (see at the bottom of the page when you make a price comparison).

Cheap bike insurance

If your main criterion is the price, our comparator indicates in real time the prices of our partners. You are able to benefit from the best price for your electric bike insurance.

If you already have an electric bicycle insurance in progress, you can cancel it on the anniversary date with notice, or for certain insurances with a month of notice if you pay your insurance in monthly. You are then free to insure yourself with a cheaper electric bike insurance. Be careful however to check before your bike is eligible for insurance a certain time after the bike purchase.

Bike insurance guide

If you want to know more about what cycling or electric bikes covers, what your home insurance covers and how to choose the right bicycle insurance, consult our guide.

Bike insurance quote

Philtr’s bicycle insurance comparator allows you to get a specific quote for your bicycle with only three information: the type of bicycle, the purchase price and your postal code. We directly interfere the insurers in order to obtain a specific quote, whether for guarantees Flight, damage, or assistance.

Once your quote has been made on our comparator, you can get a quote with a similar price on the site of our partners and then subscribe directly online so that your bike or VAE is insured.

Maif electric bicycle insurance rate

The MAIF does not offer specific insurance for electric bikes but it offers an option “Nomades Sports, leisure” which offers certain guarantees to ensure its bicycle, especially in dependencies, but with certain limitations (see our file on the Maif electric bike insurance.))

Groupama electric bicycle insurance rate

Groupama electric bicycle insurance costs 164 € per year for a bike worth € 2,000. A quote can be made in a few clicks on the Groupama site. Groupama bicycle insurance rates are located in the high range of the prices indicated in our comparator (equal value of the electric bicycle).

To obtain an online rate regarding Groupama electric bicycle insurance, click here.

Axa electric bicycle insurance rate

AXA offers electric bicycle insurance with Yesassurance. Two formulas are proposed: damage guarantee and flight warranty. It is however not possible to ensure your electric bike only via the subscription to an AXA home insurance. Find out more about AXA electric bicycle insurance.

Crédit Agricole Crédit Electric Assurance Price

It is not possible to subscribe to electric bicycle insurance alone with Crédit Agricole, but certain guarantees are possible via the home insurance (from around € 13 / month) offered by Crédit Agricole Pacifica.

The guarantees include civil liability, hardware damage (when the bike is at home), flight at home (in full formula) or outside if you have subscribed to the Pack Leisure option option. This insurance is however quite limiting since the bicycle must be stolen from a closed private room.

Maaf electric bicycle insurance rate

The MAAF does not offer specific electric bicycle insurance, but offers certain guarantees in the Tempo home insurance contract. You are notably covered in civil liability or in the event of body damage.

In the MAAF home contract, the “mobility protection” option allows you to cover the breakage and theft in all places but with certain limits. See our file on Maaf electric bicycle insurance.

Philtr is a brand of the company OIB Group, comparator and digital broker 100% online and registered with the ORIAS as insurance broker under number 19007909 (formerly Insurly).

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