No, it is not mandatory. However, given the high purchase price and the risk of theft, it is highly recommended.
Solutions
Electric bicycle insurance
An electric bike is a valuable investment and often indispensable in your daily life. Whether you commute to work or cycle for leisure, you want to be on the road without worries. With insurance for your electric bike, you are protected against theft, damage, and unexpected costs.
What is an electric bicycle insurance?
Insurance for an electric bike is a specific policy that protects your e-bike against the main risks.
Unlike a classic bike insurance, this policy takes into account:
- The higher purchase value of electric bikes
- The increased risk of theft
- The presence of electrical components such as battery and motor
Depending on the policy, you can get coverage for damage, theft and breakdown, both in Belgium and abroad.
What are the advantages?
Covers theft of your electric bicycle.
Covers damage after an accident or a fall .
Covers costs for repair or replacement .
Does it cover roadside assistance in case of a breakdown .
Who is this insurance for?
This insurance is suitable for:
- Owners of an electric bike (e-bike, speed pedelec, folding bike, ...)
- Commuters who cycle to work every day
- Recreational cyclists who cover long distances
- Families with several electric bikes
Especially with intensive use or a more expensive bike, a tailored insurance policy is not an unnecessary luxury.
What is covered and what is not?
What is covered?
- Theft of your bike (often provided you use a suitable lock and take the necessary precautions)
- Damage caused by an accident or a fall
- Vandalism
- Damage to electrical components such as the battery and the motor
- Breakdown assistance (optional)
What is not covered?
- Wear and tear or poor maintenance
- Theft without a proper lock or evidence
- Damage caused by wilful misconduct or reckless behaviour
- Use in competitions (unless specifically insured)
- Unreported accessories or modifications
How much does this insurance cost?
The premium for an electric bike insurance depends on:
- The purchase value of the bike
- The type of bike (e-bike, speed pedelec, ...)
- The selected coverage (theft, damage, assistance, ...)
- Your usage (daily or recreational)
- The region where you live or use the bike
The higher the value and the more comprehensive the coverage, the higher the premium. However, the cost often remains limited compared to potential damage or loss.
"Thank you very much for the clear information and the prompt follow-up!"
The K. family from Westerlo
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Everyone has different circumstances, plans and priorities. That's why we start by listening to your story. Whether it's your home, family, mobility or financial future, we provide advice tailored to what matters most to you.
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With more than 80 years of experience, we help you make the right choices in an increasingly complex insurance market. Our specialists analyse your needs and provide clear, independent advice, so you can look ahead with confidence.
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protection for today and tomorrow
We look beyond individual insurance policies and provide protection that evolves with your life. If the unexpected happens, you can count on a trusted partner to guide you from claim to solution.
Would you like to receive a quote?
Do you want to ensure your electric bike is fully protected? Then tailored advice is essential.
Van Dessel will work with you to assess:
- The type and value of your bike
- How you use it and the risks involved
- The right combination of cover
This way, you can be sure of an insurance policy that’s perfectly suited to your situation. Request a no-obligation quote.
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