Theft and damage
- Theft with the ART-approved lock
- Vandalism
- Fall and collision damage
Compare bicycle insurance
The boundary between a bicycle and a moped has shifted in recent years. For a fat bike with a throttle, or a speed pedelec, you do not need bicycle insurance but moped insurance — with a registration number and compulsory third-party cover.
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Work out for yourself what it would cost.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
An ordinary e-bike with pedal assistance up to 25 km/h is legally a bicycle: no registration number, no licence, no insurance requirement and no helmet requirement. Bicycle insurance (fietsverzekering) bicycle insurance is therefore voluntary, but with an e-bike worth several thousand euros it is an obvious choice.
With a fat bike it depends on the version. If it has only pedal assistance up to 25 km/h, it counts as an e-bike. If it has a throttle or goes faster, it is legally a light moped or a moped, with a registration number, an AM licence, compulsory third-party cover and a helmet requirement.
A speed pedelec gives pedal assistance up to 45 km/h and is legally a moped. Registration and insurance are linked there: a registered vehicle without valid third-party liability insurance results in a fine. The helmet requirement applies, with a helmet to NTA 8776.
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We compare your bicycle insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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What does bicycle insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Liability
Damage you cause to others with the bicycle.
- Falls under your liability insurance
- No separate third-party liability cover needed
- Different for a speed pedelec
Extensions
What you add separately.
- Breakdown assistance on the road
- Replacement bicycle
- Battery and charger
What is covered
| Situation | Theft cover | Comprehensive |
|---|---|---|
| Theft away from home, locked with the prescribed lock | Yes | Yes |
| Theft from a locked shed or store | Provided that | Provided that |
| Vandalism to the bicycle while parked | Provided that | Yes |
| Fall or collision damage to the frame | No | Yes |
| Damage to or theft of the removable battery | Provided that | Provided that |
| Wear to tyres, brakes and the chain | No | No |
An ordinary bicycle and an electric bicycle up to 25 km/h are not motor vehicles: there is no third-party liability requirement, and damage you cause to others with one falls under your personal liability insurance (AVP). A speed pedelec is a motor vehicle and does need its own third-party liability insurance (Article 2 WAM). Almost every policy requires an approved lock and that you keep both keys.
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Purchase price of the bicycle: the main basis for calculation
- Type: city bike, e-bike, cargo bike or speed pedelec
- Postcode area: theft statistics
- Lock and where it is kept
- Cover chosen: theft, own damage, breakdown assistance
- Excess
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The fat bike is the biggest source of misunderstanding
A fat bike that only has pedal assistance up to 25 km/h is a bicycle and you insure it as a bicycle. If it has a throttle or goes faster, it is legally a light moped or a moped: you then need a registration number, an AM licence, third-party liability insurance and an approved helmet. If you ride with the wrong paperwork, you are not insured for the damage you cause to others.
The battery is the most expensive part
On an e-bike the battery pack often represents a third to a half of the value, and it can be removed. Check whether the battery is insured against theft, including when only the battery is stolen, and whether any requirements apply to charging and storage.
The lock determines the theft cover
Almost every insurer requires an ART-approved lock, usually at least category 2 and higher for more expensive bicycles. Keep both keys and record the frame number and the key code. These are asked for immediately after a theft. If a key is missing, payment is almost always a problem.
First look at your home contents and liability cover
Theft of a bicycle from a locked shed is often already covered by your home contents insurance (inboedelverzekering), up to a certain amount. Damage you cause to others with the bicycle falls under your personal liability insurance (AVP). Bicycle insurance fills the gap where those two stop: theft away from home and damage to the bicycle itself.
Reviewed by the advisory team of Finass Verzekert · LinkedIn
Finass Advies B.V. · AFM licence 12016589 · Chamber of Commerce 37131781
AFM licence for: Adviseren en bemiddelen in schadeverzekeringen particulier, Adviseren en bemiddelen in schadeverzekeringen zakelijk
Last reviewed on
This page was written and reviewed by advisers of a firm licensed by the AFM (Wft). Advice and policies are always handled by an adviser, never automatically.
Frequently asked questions
This is what people ask us most.
Is bicycle insurance compulsory?
Not for an ordinary bicycle or an e-bike up to 25 km/h. It is for a speed pedelec and for a fat bike with a throttle or a higher speed: those count legally as mopeds and require third-party liability cover.
When is my fat bike a moped?
As soon as it has a throttle or goes faster than 25 km/h. Registration, an AM licence, third-party liability insurance and a helmet are then required. With pedal assistance up to 25 km/h only, it remains a bicycle.
Is the battery covered?
Usually yes, as part of the bicycle, but check whether theft of the battery on its own is also covered. The battery often represents a third to a half of the value.
Which lock do I need?
An ART-approved lock, usually at least category 2 and higher for more expensive bicycles. Keep both keys and record the frame number. Without the second key, payment after a theft is difficult.
Am I not already insured through my home contents cover?
For theft from a locked shed, often yes, up to a maximum. Not away from home and not for damage to the bicycle itself; bicycle insurance is needed for that.
Is a helmet compulsory on an e-bike?
Not on an ordinary e-bike up to 25 km/h. It is on a speed pedelec, with a helmet to NTA 8776. For fat bikes the discussion is still developing; check the current rules for your type.
Every situation is different. For these situations we have a separate page.
- Insuring a speed pedelec45 km/h, moped, helmet to NTA 8776
- Business bicycle insuranceCompany bicycle, e-bike, theft and damage
Insurers we compare
A selection. Which insurers appear in your comparison depends on your situation and the cover you choose.
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Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.