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Theft, damage and more. Pick a plan.

When the unexpected occurs, like a puncture or an accident, we are by your side. We jump in and fix on the spot, or take you and your bike home when required. That’s the kind of thing you can expect. This premium assistance is available 24/7.
Pick a Plan

Theft + Assistance

€6.88 / month*

per user/month billed annually
Bike theft
24/7 assistance
Material damage

Omnium

€8.30 / month*

per user/month billed annually
Bike theft
24/7 assistance
Material damage
*Simulation based on 1969EUR purchase value.

The coverages explained.

24/7 assistance
Your electric bike’s battery ran down faster than expected or you had a puncture on the road? You don’t have to push your bike all the way home!If you have trouble on the road (accident, puncture, battery, theft, etc.), we come and repair your bike on the spot free of charge, and if necessary, take you and your bike home.
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Protection against theft
You went for a drink, and although you locked your bike properly it’s been stolen? We refund its full value minus the deductible.We also pay for your taxi home (up to €500).Your bike is covered day and night both indoors and outdoors as long as it is secured to a fixed point with an approved lock (see list of exclusions).To keep premiums down, we apply a deductible of 10% of the bike’s value (min 50€ and max 200€). This means that if a bike is worth €3000 the amount of the deductible is only €200. We don't apply any depreciation during 3 years this means we will always take your purchase price as a reference. Contrary to most of our competitors, your bike therefore loses no value, even after 3 years. We only deduct the deductible.
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Protection against material damage
We pay in full for repairs to your bike further to material damage caused by an accident, vandalism, flood, fire (e.g. battery) and other external events if the amount exceeds the deductible.We know you and your bike go together everywhere, this is why we will reimburse you, on the basis of the receipts, the cost of hiring a replacement bike, up to a maximum of 15 EUR including all taxes per day and for a maximum of 3 consecutive days.Amount of the english deductible = 10% of the total purchase price of your bike (min 50€ and max 200€).

Exclusions from the coverage.

Find below the list of exclusions. If you would like more details or clarification, please do not hesitate to contact us, we will be happy to answer you.
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• The bike must be locked with an approved lock either ABUS BORDO (security 10 or higher), ART (category 2 or higher), FUB (2 wheels or higher), or Sold Secure Silver (or Gold) and must have been attached to a fixed point during it's theft.
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• Wheels, tires or the electric battery are not covered if they were stolen separately from the bike.
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• Aesthetic damage (scratches, dents, ...) is not covered.
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• Damage resulting from participation in a bike race is not covered.
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• See the complete list of exclusions in our General Terms & Conditions.

Eligibility rules.

In order to be eligible for compensation in the event of an incident, you must comply with a few rules listed below. If you would like more details or clarification, please do not hesitate to contact us, we will be happy to answer you.
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For a second-hand bike, you must :
• Send us 5 photos (front, rear, left side, right side, serial number) of the insured bike within 14 days of taking out your insurance policy ;
• Provide us with the serial number;
If you fail to do so, we will cancel your insurance contract and refund the insurance premium paid;

For a new bike purchased more than 30 days ago, you must:
• Send us 5 photos (front, rear, left side, right side, serial number) of the insured bike within 14 days of the start date of your insurance policy ;
• Provide us with the serial number within 14 days of the start date of your insurance contract;
If You do not do so, we will cancel your insurance contract and refund the insurance premium paid;

For a new bike purchased less than 30 days ago, you must:
• Provide us with the serial number within 14 days of the start date of your insurance contract;
If you fail to do so, we will cancel your insurance contract and refund the insurance premium paid;

What to do in the event of a claim?

Need assistance on the road?
‍In case of problems on the road (accident, puncture, battery, theft, ...), call directly 02 541 92 01. We will come to repair your bike on the spot free of charge and if necessary, we will drop you off at your home with your bike or at the repairer of your choice.

Your bike has been stolen?
You must report the incident to the police within 24 hours and report the claim online (this takes less than 5 min).

Is your bike damaged?
You must report the claim online within 8 days of discovering the damage.

Whether your bike is stolen or damaged, our experts will process your claim as soon as possible in order to calculate the compensation you are entitled to receive. You can relax, it will be quick.

Do you already have a bike insurance with another provider?

You can take out your annual insurance policy today with a start date up to 6 months later and therefore plan to start your "Qover" policy the day after the expiry date of your current policy.

In any case, don't forget to notify your insurer of your wish to cancel your contract at least 3 months before the anniversary date of your contract.

How to cancel your contract?

You can cancel the insurance contract on the main expiry date. To do so, you must notify us in writing at least 3 months before the main due date.

You can terminate the insurance contract if we change the tariff or the general terms and conditions.

After a claim, you have one month from the date of payment or refusal of compensation to terminate the contract.

You may cancel the contract within 14 days of receiving the policy schedule and the general terms and conditions without giving any reason.

What is theft insurance?

If your bike is stolen, we will reimburse you after deducting the deductible.
We will also reimburse you for damage if it is the result of an attempted theft.

What is material damage insurance?

Your bike is covered against damage resulting from accidents, vandalism, flooding, fire and other external factors.
We will reimburse you for the cost of repairs after application of the English deductible.

What is assistance insurance?

If your bike is immobilized on a roadway accessible to our breakdown and towing service, we organize:
• Roadside assistance and towing
• Return and guidance of the children
• Flat tire assistance
• Assistance in the event of loss of keys to the padlock or a locked padlock
• Assistance to the insured during a transfer

How does it work?

Click on the link to the QoverMe website, where you can purchase an insurance plan with the AHOOGA discount. Once you purchased the insurance, you will receive a confirmation e-mail with your policy schedule, general conditions and the cancellation form.
In case of theft or total loss:
• Contact us here to report a claim.
• You will receive a compensation by bank transfer corresponding to the [value of your bike - excess].

If your bike needs repair:
• Contact us here to report a claim.
• You will be compensated for the repairs. Either we will send someone to carry out the repairs or you will have to go to a repair shop if the damage is too extensive.
• If it is not possible to repair your bike, you will receive compensation for the amount of the repair by transfer to your bank account.

How much is your excess?

In the event of theft and total loss:
• You have an excess of 10% of the total insured value is applied, with a minimum of €50 and a maximum of €200 per claim.

In the event of repairable material damage:
• You have an English excess of 10% of the total insured value will be applied, with a minimum of €50 and a maximum of €200 per claim, which means that if the amount of your damage exceeds the excess, we will pay you as from the 1st euro.

Under certain circumstances, you will not be covered by insurance. What are they (non-exhaustive list)?

• If the theft of the bike occurs when the bike is not locked by the frame or app lock provided by the manufacturer (if applicable).
• If the bike was in a place accessible to the public and was not secured to a fixed point by the frame with an agreed lock and not locked in accordance with the manufacturer's instructions, such as a frame lock or locking by means of an application (if applicable).
• If the bike was in a locked common room and was not secured to a fixed point by the frame with an agreed locked and not locked in accordance with the manufacturer's instructions, such as a frame lock or locking by means of an app (if applicable).
• The wheels, tyres or battery if they are stolen separately from the bike.
• If you cause damage to a third party while riding your bike, the insurance does not cover your liability.
• Purely aesthetic damage (e.g. scratches or dents).
• Damage resulting from a breach of trust or fraud.

Are there any other rules to follow?

You will not be covered if you make technical modifications to the bike. However, you can add accessories such as a mudguard or child seat, but these will not be covered under this insurance unless they are originally delivered and for a maximum amount of 100 euros.

Where am I covered?

Theft and material damage cover is valid in the countries of the European Union, Great Britain, the Principalities of Andorra and Monaco, the Vatican, Iceland, Croatia, Liechtenstein, Norway, San Marino and Switzerland.
The assistance guarantee is valid in Belgium and 20 km around the Belgium borders.

What are my obligations?

In the event of theft, you must report it to the police or judicial authorities within 24 hours.
You must submit a copy of the police report to us at the time of the loss.
You must notify the claim as soon as possible after the incident and within 8 days of becoming aware of it.
You must keep the original invoice for your bicycle.
You must lock your bike in two ways:
• With the frame lock and / or via the application on the bike (if applicable).
• You must attach your bike by the frame using an agreed lock, either ABUS BORDO (Security 10 or higher), ART (category 2 or higher), FUB (category 2 wheels or higher), or Sold Secure Silver (or Gold) to a fixed point (e.g. bike rack, post).

Can I cancel my contract?

You can cancel the insurance contract within 14 calendar days of taking out the contract or receiving it.
You can cancel your insurance at each annual expiry date. To do so, you must inform Qover at least 3 months before the expiry date of your contract, by registered letter, by bailiff's writ or by handing in the cancellation letter against receipt.
You can cancel the insurance if we change the price or the general conditions.
You can also cancel the insurance contract after a claim. You have 1 (one) month from the date of payment or refusal to pay compensation. The insurance contract will then expire 3 months after the date of notification.

When and how do I pay?

You pay the premium annually.
Your bike can be covered for a maximum of 3 consecutive years.
Your contract has a duration of one year and is tacitly renewed every year.
At the end of three years, we will terminate the contract. This way, you never pay too long and it suits your needs.

How do I report a claim?

If you wish to report a claim, you can contact Qover via this online form claims.qover.com.
You can reach Qover from Monday to Friday between 9 am and 5 pm on +32 2 588 97 16. Or by email at claims@qoverme.com

Any questions? We're here to help you.

Information document on the insurance policy
General terms and conditions
Data privacy policy
Complaints
Conflicts of Interest

Legal mentions.

This insurance policy is managed by Qover S.A., a non-tied insurance agent authorised and regulated by the Financial Services & Markets Authority (FSMA - Belgium - registration No. 0650.939.878). Registered office: Rue du Commerce 31, 1000 Brussels, Belgium.Nationale-Nederlanden Schadeverzekering Maatschappij NV under Dutch law, entitled to insure Belgian risks, insurance company registered in Belgium under code number 2925. Registered office: Prinses Beatrixlaan 35, 2595 AK 'S-Gravenhage, the Netherlands - Trade Register Number DNB 27023707, supervised by the Nederlandsche Bank. Nationale-Nederlanden Schadeverzekering Maatschappij NV is entitled to provide insurance distribution services in Belgium on the basis of the freedom to provide services.Europ Assistance N.V., a limited liability company (société anonyme), incorporated under French law, having its registered office at 1, Promenade de la Bonnette, 92230 Gennevilliers, France, registered in the commercial and companies register of Nanterre under number 451 366 405 and approved by the French supervisory authority (ACPR 4 Place de Budapest - CS 92459 - 75436 Paris Cedex 09, France) under number 4021295. This insurance is underwritten by its Irish subsidiary Europ Assistance n.v. Irish branch, whose registered office is at 4th Floor 4-8, Eden Quay, Dublin 1, Ireland, D01 N5W8, registered with the Irish Enterprise Registration Office under number 907089 and approved by the Central Bank of Ireland (BP 559, New Wapping Street, Dublin 2, Ireland) under number C33673. The Irish branch operates under the Irish Insurance Code of Conduct (Code of Ethics for Insurance Companies) of the Central Bank of Ireland, registered in the Republic of Ireland under number 907089. Europ Assistance S.A. delegates the organisation of the assistance services and manages the assistance and claims through its branch office Europ Assistance Belgium, VAT BE 0738.431.009 RPM Brussels, Boulevard du Triomphe 172, 1160 Brussels. Europ Assistance N.V. is entitled to provide insurance distribution services in Belgium on the basis of the freedom to provide services.Bike insurance is a non-life insurance product (Branch 3). Bike assistance is a non-life insurance product (Branch 18).This contract is entered into for a period of one year. It shall be tacitly renewed a maximum of two times for consecutive periods of one year.This insurance contract is subject to Belgian law.
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