KBC Bicycle Insurance

Worldwide insurance for new bicycles

KBC Bicycle Insurance

Worldwide insurance for new bicycles

For any type of bicycle

Whether you purchase a new electric bicycle, folding bicycle, delivery bicycle or another type of bicycle, we provide insurance for any bicycle with an invoice value of between 600 and 10 000 euros. Supplementary requirements apply for racing bicycles and all-terrain bicycles.

Holiday cover

KBC Bicycle Insurance covers your bicycle against theft and damage while you are on holiday. You can also insure any fixed accessories you have – even the bicycle carrier on your car – worldwide!

Compensation at replacement value

We will provide compensation at replacement value up to a year after you have purchased your bicycle. As from the 13th month, we will deduct 1% per month for wear and tear. The deductible is 50 euros.

Because your new bicycle is something you can’t do without

A new bicycle is a major investment, so it’s probably something you can’t do without. Proper insurance is therefore a must. If, when you’re at home, you keep your trusty bicycle safely locked away indoors, you can be sure it’s covered. It’s when you’re out using your bicycle that KBC Bicycle Insurance really comes in handy.


  • You damage your bicycle and bicycle bag in a fall. In cases like these, KBC Bicycle Insurance covers the damage both to the bicycle and the bicycle bag.
  • Your bicycle is stolen while you’re on holiday, and the thieves damage the bicycle carrier on your mobile home. In cases like these, KBC Bicycle Insurance provides compensation both for the stolen bicycle and the damage to the bicycle carrier.

How KBC Bicycle Insurance works


Any new bicycle can be insured, ranging from delivery bicycles to all-terrain bicycles. There are a few requirements, however. Your bicycle must be no more than one year old, and the invoice value must be between 600 and 10 000 euros (bicycle and accessories combined). Racing bicycles and all-terrain bicycles are subject to a number of supplementary requirements. For more information on these requirements, please contact your KBC insurance intermediary.

If you’re insuring an electric bicycle, be sure to take note of the following:

  • If your electric bicycle has pedal assistance and a maximum speed of 25km/h, standard bicycle insurance is sufficient. Your third-party liability is covered by your family insurance, as it would be with a normal bicycle.
  • If your electric bicycle has pedal assistance and a speed of between 25km/h and 45km/h, you can take out bicycle insurance against theft and damage. In addition, you are required to take out separate third-party liability insurance for motor vehicles.
  • If your bicycle’s electric auxiliary engine also works without pedals, you can’t take out bicycle insurance, but third-party liability insurance for motor vehicles is compulsory.

What is insured?

  • You will be covered 24/7 against any unexpected damage to, destruction or loss (theft) of the bicycle, unless damage has been excluded (see below).
  • Fixed bicycle accessories (e.g., bicycle bag, child seat or bicycle trailer) you have had added to your policy, like the bicycle carrier on your car.

Prevention is better than cure. To prevent bicycle theft, we require use of an ART-approved lock (category 2 or higher) or a Sold Secure bicycle lock with a Gold or Silver rating. If you don’t have a lock yet, have a look in the Mums Know Best Safety Shop.

In addition to bicycle insurance, you can also take out assistance insurance if you wish to be covered should your bicycle break down. For more information, please contact your KBC insurance intermediary.

Levels of compensation

  • If your bicycle is stolen, we will compensate you for its full value.
  • Should your bicycle be damaged, we will cover the cost of repair up to the bicycle’s value.
  • Whenever you submit a claim, a deductible (the amount you pay yourself) of 50 euros will apply. 

In the first year, the value of your bicycle is the replacement value, i.e., the invoice value incl. VAT, plus the price of any insured accessories. As from the 13th month, we deduct 1% per month for wear and tear.

Example: if your bicycle cost 1 000 euros and were stolen six months after you purchased it, KBC would pay you 950 euros in compensation, i.e., 1 000 euros less the deductible of 50 euros. If someone were to steal your bike when it was three years old, we would still pay you 76% of the purchase value, i.e., 710 euros (760 euros less the deductible of 50 euros). 

What is not insured?

The principal exclusions of the KBC Bicycle Insurance policy are as follows:

  • Bicycles you rent out privately or commercially;
  • Unfixed bicycle accessories (e.g., GPS, lights);
  • Damage you cause intentionally;
  • Damage covered by the warranty or a maintenance contract, or damage caused by a manufacturing defect or a defect on the bicycle;
  • Damage caused whilst taking part in competitions;
  • Damage that has no influence on the use or the purpose of the bicycle;
  • Wear and tear, discolouration or damage caused by cleaning, processing or repair.

Contract term

KBC Bicycle Insurance is taken out for a term of 12 months and will be tacitly renewed unless you cancel it a minimum of three months before the principal renewal date.

More information

If you wish to take out this insurance, request a quotation or if you have any questions, your insurance intermediary at KBC will be pleased to help you. Make an appointment online

Details of this policy

  • This product is governed by the laws of Belgium.
  • KBC Bicycle Insurance is a form of property damage insurance.
  • It can be taken out separately or included in your KBC Home Insurance.

More information on the insurer

KBC Bicycle Insurance is a product provided by KBC Insurance NV, member of the KBC Group (Professor Roger Van Overstraetenplein 2, 3000 Leuven, Belgium. VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB.)

Company authorised for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette, 14 July 1979) by the National Bank of Belgium (de Berlaimontlaan 14, 1000 Brussels, Belgium.)

What to do if you have a complaint 

Your intermediary is your first point of contact for any complaints you may have. If no agreement can be reached, you can contact KBC Complaints Management by post at Brusselsesteenweg 100, 3000 Leuven, by e-mail at complaints@kbc.be, tel. 0800 62 084 (freephone number) or + 32 78 15 20 45 (pay number), or by fax on + 32 16 86 30 38. 

If you cannot find a suitable solution through that channel, you can contact the Insurance Ombudsman – which serves the whole industry – by post at de Meeûssquare 35, 1000 Brussels, by e-mail at, info@ombudsman.as, http://www.ombudsman.as/.
However, you always retain the right to initiate legal proceedings.


This web page is for informational purposes only. It cannot supplement, contradict or amend the terms of an insurance contract, as laid down in the general and special conditions.


More info

  • Bicycle insurance fact sheet

Was this page useful to you? Yes No