Theft and damage
- Theft with the ART-approved lock
- Vandalism
- Fall and collision damage
Business bicycle insurance
A company bicycle falls outside most business policies: business contents insurance (inventarisverzekering) usually does not cover it away from the premises, and the AVB only covers liability. Separate bicycle cover is needed for that.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands · Deutsch
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- 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 bicycle and an e-bike with pedal assistance up to 25 kilometres per hour are not a motor vehicle. There is therefore no insurance requirement under Article 2 of the Dutch Motor Insurance Liability Act (WAM) and no registration number is needed. A speed pedelec is different: it falls into the moped category, must be registered, has a helmet requirement and must have compulsory third-party liability insurance. Do not put such a machine on an ordinary bicycle policy.
For company bicycles the risk is mainly theft and damage. Business contents or stock insurance covers property on the premises, not a bicycle standing at a customer's or at the station. Bicycle insurance fills that gap and usually covers theft after the lock has been forced, damage from a collision or vandalism and sometimes roadside assistance. On e-bikes the battery is a separate item that you have to check separately.
Liability follows a different line. If an employee hits a pedestrian, that is judged under Article 6:162 of the Dutch Civil Code; if it happened in the course of the work, the public and employers' liability insurance comes into play. For injury to the employee themselves, the duty of care under Article 7:658 of the Dutch Civil Code and good employment practice (Article 7:611 of the Dutch Civil Code) applies, from which case law derives a requirement to have proper insurance for taking part in traffic during working hours.
Independent, personal, sorted quickly
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.
Bicycle insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
Which cover suits company bicycles?
Three forms of cover, with below them the situations that arise most often with business use of bicycles.
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.
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What does your premium depend on?
- Purchase price per bicycle: e-bikes are considerably higher
- Type of bicycle: city bike, cargo bike or speed pedelec
- Number of bicycles in the fleet: a group policy saves on premium
- Storage and security: keeping them indoors lowers the risk
- Postcode area: the risk of theft varies widely
- Type of cover and excess: theft only or own damage as well
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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.
What makes the difference with a business bicycle
Four points on which a company bicycle differs from a bicycle at someone's home.
A speed pedelec is a moped
Pedal assistance up to 45 kilometres per hour means the machine falls into the moped category. It needs a registration number, an approved helmet, a driving licence in the right category and compulsory third-party liability insurance under Article 2 of the Dutch Motor Insurance Liability Act (WAM). If you nevertheless put such a machine on an ordinary bicycle policy, there is in fact no valid third-party cover and the rider also risks a fine. Check with every purchase which category the model falls into.
The lock, the keys and where it is kept determine the claim
Theft cover is almost always conditional. An approved lock an ART-approved lock must have been used in the category prescribed by the insurer, and when you claim you must be able to produce both keys and the purchase invoice. Record the frame number, the chip number and which employee uses it for each bicycle. Without those records a claim gets stuck, even when the theft is undisputed.
What is not covered
The following, among others, are outside the cover: theft without the prescribed ART lock or without signs of forced entry; wear, paintwork damage, punctures and loss of battery capacity; a tuned e-bike on which the limiter has been altered, because it is then legally a moped; and delivery work or hiring out that has not been declared. Damage caused by intent or recklessness is also excluded (Article 7:952 of the Dutch Civil Code).
Record the arrangements with employees
Record in writing who uses the bicycle, whether private use is allowed, where it is kept at night and who bears the excess in the event of negligence. That prevents argument after a claim and helps with the question of whether there was insufficient care. When taking out the insurance, the duty of disclosure under Article 7:928 of the Dutch Civil Codeapplies: state the actual use and the storage situation honestly, because a risk that is not declared can cost you the payment (Article 7:930 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
Is a company bicycle required to be insured?
An ordinary bicycle and an e-bike up to 25 kilometres per hour are not motor vehicles, so no insurance requirement applies. A speed pedelec is: it falls into the moped category and must have at least third-party liability insurance under Article 2 WAM, with a registration number and a helmet. For the other bicycles, insuring is a trade-off between the replacement value and the theft risk at your locations.
Are company bicycles covered by business contents insurance?
Usually only while they are on the business premises, and often with a low sub-limit. As soon as the bicycle leaves the door, that cover stops. Bicycles are stolen precisely while out on the road and at customers' premises. So check whether your business contents policy mentions bicycles and up to what maximum, and take out separate bicycle cover for use away from the premises.
Is the battery of an e-bike included?
If the whole bicycle is stolen, usually yes. Theft of the battery on its own is often only covered if it was locked in the frame. Loss of capacity, ageing and a fault without an accident fall under warranty or wear and not under the insurance. Ask what limit applies to the battery and the display and whether replacement is on a replacement value as new or market value basis.
May employees use the bicycle for deliveries?
Only if that use has been declared and accepted. Delivery work means many more kilometres, more heavily laden bicycles and frequent stops in the street, which increases the chance of damage and theft. Undeclared delivery work leads to a claim being declined because of an undisclosed increase in risk. The same applies to hiring out or lending bicycles to third parties.
Who is liable if an employee hits someone?
If that happens in the course of the work, the employer is in principle liable for the victim's loss. That runs through public and employers' liability insurance (AVB) and Article 6:162 of the Dutch Civil Code. If the employee themselves is injured, the duty of care under Article 7:658 DCC and the standard of good employer conduct come into play. Bicycle insurance does not cover that liability. It only pays for damage to the bicycle.
Read more
Within Fietsverzekering
Similar pages
Work out the premium for your company bicycles?
Request a quotation without obligation. We compare premiums and policy conditions, including for a group of several bicycles.
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. Last updated on .
The information on this page is general in nature and is not personal advice.