The right insurance for your Fatbike

The right insurance for your fat bike

As the proud owner of an electric fat bike, you want to get the most out of your riding experience . Whether you are a beginner or an experienced cyclist, you want to get the most out of your fat bike. To do this, you want to optimize your riding experience. But before you start riding, there is something even more important to think about; insurance. Soon you will no longer be able to insure your fat bikes everywhere. But don't worry, we have listed a number of alternative companies for you where you can still go. In this blog you can read the answer to the question "where can I insure my fat bike?".

Why can't you insure your fat bike with every company?

Recently, several insurance companies have announced that they will stop insuring fat bikes. The reason for this is the high theft rates of these electric bikes. This mainly concerns urban areas in the Randstad such as Amsterdam, Rotterdam and The Hague.

A second reason that insurance companies such as ANWB, Allianz and Interpolis no longer want to insure fat bikes is abuse. Many fat bikes are tuned up, which greatly increases the chance of accidents. And an accident with a tuned fat bike is not covered by your liability insurance. Your insurer can refuse to pay out and the costs can rise considerably in such a situation.

Alternative options

At the time of writing this blog, there are still a number of insurers where you can insure your new fatbike from dailyride:

1. Qover : At Qover you can take out bicycle insurance for your fatbike. This insurance offers you the necessary protection in case of theft or damage to your new fatbike.
2. Alpina : At Alpina you can take out a fatbike insurance with a choice of two coverages. You can choose theft plus insurance, which offers you coverage in case of theft. Or you can choose theft, damage and insurance. Calculate your premium and make sure you choose the right coverage that suits your needs.
3. Interpolis/Rabobank : At Interpolis it is possible to insure your fatbike, but there are some specific conditions. You must have taken out an "All in one Policy" insurance before September 1, 2023. In combination with an approved ART 4 ​​lock, you can apply for the bicycle insurance by telephone. This can be a good option if you are already a customer at Interpolis and meet the requirements.
4. Kingpolis: At Kingpolis you can also insure your new two-wheeler. Kingpolis does require that the vehicle must be equipped with GPS tracking .

Of course, insurance companies may offer other policies in the future. Therefore, always make sure that you do proper research where you can insure your fatbike after purchase. Each insurance company has its own policy conditions and coverage. For example, some companies have strict requirements regarding where you can park your bike (at night) and how it should be locked. Many companies do not pay out if you do not lock the bike with a agreed lock have secured. Read more about theft prevention and locks here.

Conclusion

Electric fat bikes are extremely popular, not only among riders, but also among thieves. This does not always make it easy to insure an electric fat bike. Fortunately, there are still several companies where you can insure your new purchase. Compare the policies carefully, because there can be quite a difference between them. This way you can soon hit the road without worries!