Whether a city bike, road bike or mountain bike... Enjoy every ride carefree.

Together, we cycle through the possibilities.


Whatever bike you have, bike insurance protects you from financial losses due to theft, damage or other problems.

The perfect companion for your cycling adventures - our comprehensive bike insurance

Whether you are the proud owner of an expensive electric bike or simply cherish your beloved city bike, our bike insurance provides you with the peace of mind you need to hit the road safely.

Enjoy every pedal stroke and leave behind the fear of theft, damage and unexpected situations.

Why take out bicycle insurance?

A favourite target for theft

Park your bike at the station and chances are you will never see it again.

Bicycle thefts often happen in cities, but also just on your doorstep.
With Materné's theft insurance, you won't have to worry about that anymore.

Carefree adventures

Enjoy worry-free adventures thanks to our bicycle assistance and comprehensive insurance policies.

Whether you face an unexpected breakdown or an accident where you are at fault, our insurance policies guarantee a carefree cycling experience. Leave the stress behind while you enjoy every pedal stroke.

Sometimes a legal obligation

All autonomous speed pedelecs are subject to a legal requirement for third-party insurance.

In an accident where you are at fault, you are responsible for your own injuries and/or damage to
your bike.

What does bicycle insurance cover?


As a cyclist, you are responsible for any damage you cause to others while cycling.
Liability cover protects you from the financial consequences of third-party claims for bodily injury or property damage caused by your bike.

Depending on the type of bike, this is covered by your family insurance or a separate third-party insurance is mandatory.


Bike insurance covers the cost of replacing your bike in case of theft.
Some insurers also reimburse the cost of accessories stolen along with your bike.

Damage to bicycle

In an accident where you are at fault, you are responsible for the damage to your bike. Unless you subscribe to comprehensive insurance.
This cover protects you against the cost of repairs or replacement of your bike in case of damage due to:

  • an accident
  • vandalism
  • fire
  • other causes of damage

Your own policy will guide you better and reimburse you faster than your opponent's.

Breakdown help and assistance

A cycling accident can happen to anyone, even the most experienced cyclist.
Breakdown assistance and assistance covers the cost of repairing your bike locally (excluding the cost of replacement parts). In case of a serious breakdown, this policy arranges transport to a bike repair shop.
This cover is also useful if you have problems on the road, such as a flat tyre.

Injuries cyclist

Your safety is our priority. Choose peace of mind with our accident insurance and enjoy every ride, knowing that your injuries are protected in case of unforeseen events.

Ever considered covering yourself against injuries in traffic or other aspects of your personal life? Because accidents don't just happen on bikes.

Materné will be happy to advise you.

Frequently asked questions

Discover the most frequently asked questions about this insurance. Over the years, we have collected this information and summarise it here. Easy, right?

Any bike can be insured.

Electric bike, city bike, tourist bike, tricycle, tandem, racing bike, electric racing bike, mountain bike, electric mountain bike, speed pedelec, bakfiets, electric scooter, gyropod, electric unicycle, hoverboard, wheelchair, etc.

Which type of lock depends on insurer to insurer, the region you live in and the value of your bike.

An approved bicycle lock is usually required. Sometimes, your insured bicycle (or the insured locomotive) is also required to be secured to a fixed attachment point.

Materné will be happy to inform you in your specific situation.

Athletes participating in amateur sports competitions without prizes can also take out bicycle insurance.

Certainly, these are tailor-made policies in which Materné is happy to guide you.
Together, we look at the possibilities.

This depends from insurer to insurer.
Materné will look for a solution tailored to your situation.

Yes, most bike insurance policies provide cover for both new and older bikes.

Older bikes do sometimes face a limit according to insurability.

Other solutions for optimal coverage

Take the uncertain as certain and discover our insurance policies that perfectly match your bike insurance.

Legal aid
Legal expenses insurance protects your business and/or family in various legal matters, depending on the cover you choose. Materné goes over your options.
Accident insurance protects you from the financial consequences of accidents or injuries. Materné will compare the options with you.
Car insurance is not only required by law, it is also an insurance that allows you to hit the road worry-free. Compare your options at Materné.

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