What is covered?
Two covers are always included in your premium; three you can add yourself.
Theft, fall and collision damage and vandalism — compensated at new value for the first 2 years, anywhere in the world.
What is covered
- Theft, theft with violence or break-in, and attempted theft
- Falls, collisions, tipping over and accidental contact (also when loading and unloading)
- Vandalism, fire and forces of nature
- Accessories bought later, up to € 250
- Replacement bike in case of damage: up to € 200 (max. € 25 per day)
Amounts & compensation
- Insured for the invoice value incl. VAT, up to € 10.000
- New bike: new value for the first 2 years, then on a decreasing scale according to the terms and conditions
- Second-hand (max. 6 months old): compensation at actual value
- Deductible: € 25 (bike up to € 5.000) or € 50 (above); road bike: deductible = the comprehensive premium, also in case of theft
Please note
- Parked outside: only covered with an ART-approved lock, min. 2 stars (from € 5.001: 3 stars or Sold Secure Gold), secured to a fixed point or in a locked room
- Stricter parking rules apply in the Brussels Region
- Wear and competitions are excluded — cover is valid worldwide
This is a summary. The exact scope of the cover is set out in the general terms and conditions and the IPID document you receive with your quote.
Breakdown help day and night: on-the-spot repair or transport to a repairer, also for a flat tyre or empty battery.
What is covered
- On-the-spot repair after a breakdown, accident, flat tyre, empty battery, theft or vandalism
- If repair on the spot is not possible: transport of bike and rider to a repairer of your choice or back home
- Available day and night, all year round
Limits
- Valid in Belgium (from 1 km from home) and up to 30 km across the border
- For breakdowns: a maximum of two interventions per year
- Always request assistance via the call centre — costs you incur without approval are not reimbursed
This is a summary. The exact scope of the cover is set out in the general terms and conditions and the IPID document you receive with your quote.
Bodily injury to the rider after an accident, even if you are at fault.
What is covered
- Your own bodily injury after a fall or accident with the insured bike — even if no one else is involved or liable
- Medical expenses up to € 2.500
- Permanent disability: up to € 25.000
- In case of death: payment to the beneficiaries
Please note
- Without a helmet, the payout is halved
- Valid in Belgium and up to 30 km across the border
This is a summary. The exact scope of the cover is set out in the general terms and conditions and the IPID document you receive with your quote.
Extended warranty on parts and technical defects, also on the motor and battery of e-bikes.
What is covered
- Extended warranty on parts and technical defects after the factory warranty
- Including the motor and battery of e-bikes
- Repair or replacement of the defective part
Please note
- Wear parts such as tyres, brake pads and chain are excluded
- Terms and duration: see the warranty terms with your quote
This is a summary. The exact scope of the cover is set out in the general terms and conditions and the IPID document you receive with your quote.
Civil liability: damage you cause to others with your bike.
What is covered
- Damage you cause to others with your bike
- Bodily injury to third parties: unlimited cover
- Material damage to third parties: up to the legal ceiling (€ 100 million, indexed)
Please note
- Damage to your own bike falls under Theft & damage, not under Bike liability
- Your own injuries fall under the Rider accident cover
This is a summary. The exact scope of the cover is set out in the general terms and conditions and the IPID document you receive with your quote.
All amounts are annual premiums, taxes included — no small print. With a Toecan tracker your base premium drops by 20%.
Arranged in four steps
Calculate your premium
Enter your bike type and purchase value — you see your annual premium right away, with no obligations.
Request your quote
Or even faster: simply scan your purchase invoice and we fill in everything for you automatically.
Pay securely online
Annually or monthly, via Bancontact or card. Your cover starts right after your payment.
Receive your policy by return
Your certificate of cover and your policy land in your mailbox immediately after payment — nothing to wait for.
From city bike to speed pedelec
Every two-wheeler can be insured — even second-hand and older than six months.
Tap a type and your premium calculation is ready right away, with that type filled in.
What does it cost for your bike?
−20% on your premium, year after year
With an invisibly built-in Toecan 4G tracker, your base premium drops by 20% every year — and in case of theft, the tracker shows the way to your bike. Fall detection and zone alerts are coming to the Toecan app.
−20% premium, every year
The discount applies to your base premium, year after year — the tracker pays for itself.
Invisibly built in
Your bike shop installs it out of sight. A thief will not notice it — the tracker will notice him.
Tracking after theft
Stolen? We immediately set everything in motion to track down your bike, together with the police — the tracker shows the way.
Zones & movement alarm Coming soon
Draw a zone around your bike shed. If your bike moves without you, you get an alert right away.
Fall detection Coming soon
A hard fall and no response? Help is alerted automatically, with your exact location.
For the whole family
Follow all the bikes and riders of the family in one app.
