Bike insurance in the Netherlands
There is nothing more Dutch then cycling. The Netherlands is designed for cycling, with great bike lanes passing historic streets and beautiful landscapes. For big cities like Amsterdam, Utrecht and Haarlem there is no better way to get around then on your bike. But 500.000 bikes a year get stolen. So how to feel safe?
We explore in this section
Do i need a bike insurance in the Netherlands?
No, you don't need a Bike insurance in the Netherlands. It's not mandatory like for example a Car insurance. But every year 500.000 bikes get stolen in the Netherlands even with two locks. Besides from protecting you against your bike getting stolen, you can also insure yourself against damage and third-party liability.
What types of Bike Insurance are there?
Theft insurance:
- Coverage: This type of insurance protects you in case your bike is stolen. It typically covers the cost of replacing the bike or, in some cases, offers a reimbursement.
- Conditions: To claim theft insurance, you usually need to secure your bike with a certified lock, and you may need to report the theft to the police.
Damage insurance:
- Coverage: If your bike sustains damage due to an accident, collision, or other unforeseen circumstances, this insurance will cover the repair or replacement costs.
- Conditions: It's crucial to understand the terms and conditions, including any deductibles or limitations on coverage.
Third-party liability insurance:
- Coverage: In the event that you accidentally damage someone else's property or injure another person while cycling, this insurance covers the associated costs.
- Conditions: Make sure to check the coverage limits and any specific conditions related to liability claims.
Choosing the right insurance:
- Evaluate your needs: Consider how and where you plan to use your bike. If you're frequently commuting in a busy city, theft insurance might be a priority. For those who enjoy weekend rides in the countryside, damage insurance could be more relevant.
- Compare policies: Take the time to explore different insurance providers and policies. Look for comprehensive coverage that aligns with your lifestyle and preferences. Check the insurers below.
- Understand the fine print: Read the policy details carefully. Be aware of any exclusions, deductibles, or specific conditions you must adhere to in order to make a successful claim.
Univé Bike Insurance for Expats
Did you know that in the Netherlands, there are more bicycles (23 million) than people (17 million)? Univé's bike insurance is rated as the best by the Consumers' Association. The insurance provides coverage for a range of bicycles, including city bikes, e-bikes, and racing bikes.
Customize your bike insurance with Univé to suit your needs. The basic coverage ensures protection against theft and damages. Opt for additional coverage options, where you can choose to be insured for roadside assistance (Pechhulp) and accident payment (Ongevallendekking). The fee starts at only €2.27 per month. Ride confidently and secure with Univé, tailored for expats like you!
Recommended insurers
Laka
Laka uses a people-powered insurance subscription to make insurance fair, not fixed.
Each months claims are spread amongst a collective of cyclists like you, so your monthly bill varies up to a guaranteed cap.
FietsZeker
FietsZeker is the only Dutch specialised (e-)bike insurance company. Due to collaborations with large international insurers (like Allianz and Chubb), FietsZeker offers the best insurance rate available in the market. FietsZeker offers flexible payment terms: premiums can be paid on a monthly, annual or even 3-yearly basis.
Centraal Beheer
Centraal Beheer is one of the biggest insurance companies in the Netherlands with insurances for your bike and much more.
Univé
Univé is a cooperative insurance company in the Netherlands. Univé presents itself as a nonprofit insurer, to express that making profit is not important and therefore has cheaper products.
Inshared
InShared was founded in 2009 as an online insurer and became one of the most successful insurers in the online market. The go-to market strategy of online differs a lot from the traditional channels, and within this InShared made some clear choices.