Insurance > Bike insurance in the Netherlands

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?

Bike insurance in the Netherlands
Insurance: Bike insurance in the Netherlands

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.
  • 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!

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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.


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Centraal Beheer

Centraal Beheer is one of the biggest insurance companies in the Netherlands with insurances for your bike and much more.

This page was last updated: 06/11/2024.