Basic cover
- Injury to persons
- Property damage to third parties
- Employees included
- Retroactive cover (prior risk)
Bicycle insurance through Unigarant
With an electric bicycle almost all the value is in the battery, the motor and the display, and that is exactly where the lock requirements, the depreciation and the exclusions apply.
- 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
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 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
Bicycle insurance (fietsverzekering) is at its core own-damage cover on a movable object: theft, damage and, with some versions, roadside assistance. What the policy is worth becomes clear from the theft conditions. These state which lock is required, what the bicycle must be secured to and how many keys you have to hand in when you claim. Anyone who is a key short receives nothing, however clear the theft may be.
There is also a legal distinction that is often overlooked. An ordinary e-bike with pedal assistance up to twenty-five kilometres per hour is a bicycle. A speed pedelec is a moped: it has a registration number, a helmet requirement and falls under the compulsory liability insurance under Article 2 of the Dutch Motor Insurance Liability Act (WAM). Own-damage cover on a bicycle policy does not replace that statutory obligation.
We therefore first ask about the type, the purchase invoice, the frame number and where it is kept, and then compare the conditions of Unigarant with those of other providers, including bicycle insurance from NH1816.
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.
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Through Finass or direct with Unigarant?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
On top of that to damage to third parties, employers' and product liability and damage during work at the client's premises.
- Employers' liability at the client's premises
- Product liability
- Agency workers, interns & volunteers
- Care, custody and control (property in your care)
Complete package
The most complete cover. We compare the extended version from Unigarant with the market.
- Environmental impairment (unforeseen, limited)
- Retroactive cover (prior risk)
- Higher sums insured
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 we do
| What we do | At Finass | Direct with Unigarant |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Sometimes |
| One point of contact for claims | Yes | Sometimes |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Unigarant is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
What does your premium depend on?
- Purchase price and type. A city bike, an electric cargo bike and a speed pedelec each have their own rating group.
- Make and susceptibility to theft. Some makes and models are stolen more often and are therefore placed in a higher group.
- Postcode area. The theft risk where you live feeds directly into the premium.
- Where the vehicle is kept. A locked shed of your own is assessed more favourably than a communal store or on-street parking.
- Cover chosen. Theft only is cheaper than theft with damage, roadside assistance and battery cover combined.
- Excess. An excess per event lowers the premium and often applies separately to battery damage.
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 lock and the keys determine the theft cover
Almost all policy conditions require an approved lock, usually with the ART mark, and require the bicycle to be secured to a fixed object when away from home. When you claim, you have to hand in all the original keys, including the spare key and the code card. If you lost one earlier, report it straight away and have the lock replaced. Explaining a missing key after the event is the most common reason for a claim being declined.
The battery is the most expensive part and the most narrowly covered
Loss of capacity through ageing is wear and not damage; no policy pays for that. Loose batteries stolen from a shed or store often fall outside the cover because they were not attached to the bicycle. Damage from charging with a non-original charger, from moisture or from frost is usually excluded. Take the battery indoors and do not charge it unattended.
A speed pedelec falls under the compulsory insurance requirement
Pedal assistance up to forty-five kilometres per hour makes your bicycle legally a moped. It must be registered, a helmet is compulsory and there is an obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) to insure liability. If you ride uninsured, a fine from the RDW (the Dutch vehicle authority) follows and you are personally liable for the victim's loss. The own-damage cover on a bicycle policy is entirely separate from that.
Depreciation, storage and business use
Most policies pay the replacement value as new for a limited number of years and the market value after that, with depreciation applied per month. Where the bicycle is kept counts: a communal store or an unlocked shed is often regarded as outdoors. Use for delivery services or other business transport is excluded as standard, even if you only do it a few evenings a week.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
Frequently asked questions
This is what people ask us most.
Is the battery of my e-bike insured as well?
If the whole bicycle is stolen, usually yes, because the battery is then part of the insured object. If only the loose battery disappears from a store, that is usually not covered. Loss of capacity through ageing counts as wear and always falls outside the cover. Some providers offer a separate module for damage to the battery itself.
What if I have lost a key?
Report the loss to us immediately and have the lock replaced. On a theft claim you have to produce all the original keys. If one is missing, the insurer assumes the thief had it and the claim is declined. Also keep the code card for the lock, because that is often requested along with the keys.
Does bicycle insurance also cover liability?
No, this is own-damage cover on the bicycle itself. If you hit a pedestrian, that loss runs through your personal liability insurance (AVP) under Article 6:162 of the Dutch Civil Code. For a speed pedelec it is different: that counts as a moped and falls under the compulsory insurance under Article 2 of the Dutch Motor Insurance Liability Act (WAM), which you have to arrange separately.
Is my bicycle covered in the communal store?
Often only if it is locked there too, and sometimes such premises are treated as outdoors. The reason is that residents and delivery drivers come and go freely. Check what your policy conditions require and lock the bicycle indoors as well, preferably secured to a cycle rack or another fixed point.
Every situation is different. For these situations we have a separate page.
Read more
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Ready to compare?
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.