Man on Amsterdam GT ebike ready for testride

Qover

Your eBike Insurance

Empower your rides with eBike insurance

Ascend to worry-free biking as you safeguard your eBike against theft and damage, 24/7. Regardless of the rider, your bike remains under a protective shield. Qover stands ready to support you in case of any unforeseen incidents.

Qover offers a complete insurance package for your eBike - check out what is applicable in your country of residence.

Your LEKKER eBike is insured 24/7 in all situations: inside, outside and in public spaces with a certified lock (see complete list in the applicable Terms & Conditions) that has to, at least, be attached to a fixed point. You can insure your LEKKER bike for up to 5 years, so if something happens during the insurance period, you are Qovered.

Furthermore, if your bike is stolen within the initial X years, we'll cover the remaining cost, allowing you to obtain a new one from our webshop at its original purchase value. We believe in safeguarding our eBikes comprehensively, and that's why we're in this together.

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Qover FAQ

- We cover your bike all year round for up to a maximum of 5 years.

- An insurance policy intended for LEKKER Bikes only.

- The insurance is intended for people aged 18 and over who are officially resident in The Netherlands.

- Your bike is intended for private or commercial use (e.g. as a courier, deliveries, etc.).

- If your bike is stolen, we will reimburse you after deducting any excess and depreciation.

- We will also reimburse you for damage if it is the result of an attempted theft.

- No depreciation is applied to the compensation calculation during the first 36 months (3 years) of the bike. As from the 37th month, a depreciation is applied. The minimum amount of compensation is set at 50% of the insured value as shown in the table of benefit in the terms and conditions and policy schedule.

- We also insure the theft of the battery of the insured electric bike, if it is stolen separately (i.e. if the bike itself is not stolen) when the battery is firmly attached to the bike or when the theft of the battery occurs with aggression or violence on the insured. A depreciation of 1.5% per month up to a maximum of 75% of the purchase value is applied. We calculate the depreciation from the purchase date of the battery.

- Your bike is covered against damage resulting from accidents, vandalism, flooding, fire and other external factors.

- We will reimburse you for the cost of repairs after application of any excess and depreciation.

- No depreciation is applied to the compensation calculation during the first 36 months (3 years) of the bike. As from the 37th month, a depreciation is applied. The minimum amount of compensation is set at 50% of the insured val

- If your bike is immobilised on a roadway accessible to our breakdown and towing service, we organize:

- Roadside assistance and towing

- Return and guidance of the children

- Flat tire assistance

- Assistance in the event of loss of keys to th

- As soon as your bike is delivered your insurance will be activated. You will then receive a confirmation email with your policy schedule, general conditions and the cancellation form.

In case of theft or total loss:

- Contact us here to report a claim.

- You will receive compensation by bank transfer corresponding to the total insured value minus any excess or depreciation.

If your bike needs repair:

- Contact us here to report a claim.

- You will be compensated for the repairs. Either we will send someone to carry out the repairs or you will have to go to a repair shop if the damage is too extensive.

- If it is not possible to repair your bike, you will receive a compensation by bank transfer corresponding to the total insured value minus any excess and depreciation.

In the event of theft and total loss:

- You have an excess of 10% of the total insured value applied, with a minimum of €50 and a maximum of €200 per claim.

In the event of repairable material damage:

  • You have an excess of 10% of the total insured value applied, with a minimum of €50 and a maximum of €200 per claim.

- If the theft of the bike occurs when the bike is not locked by the frame or app lock provided by the manufacturer (if applicable).

- If the bike was in a place accessible to the public and was not secured to a fixed point by the frame with an agreed lock and not locked in accordance with the manufacturer's instructions, such as a frame lock or locking by means of an application (if applicable).

- If the bike was in a locked common room and was not secured to a fixed point by the frame with an agreed lock and not locked in accordance with the manufacturer's instructions, such as a frame lock or locking by means of an app (if applicable).

- The wheels or tyres if they are stolen separately from the bike.

- If you cause damage to a third party while riding your bike, the insurance does not cover your liability.

- Purely aesthetic damage (e.g. scratches or dents).

- Damage resulting from a breach of trust or fraud.

- Portable bike related accessories (e.g. bike computers and/or navigation equipment), which are easily removable without using screwdrivers or other regular tools, are excluded from coverage in case of theft.

- You will not be covered if you make technical modifications to the bike.

- Make sure your bike is properly insured in all circumstances. Also check whether your bike is not insured via, for example, home insurance. This usually has limitations that do not apply in our offer.

- All fixed original accessories and additional accessories that have been specifically included within the insured limit are covered for the original purchase price (minus applicable excess and depreciation if applicable), for so far they are firmly installed on the bike.

- Theft and material damage cover is valid in the countries of the European Union, Great Britain, the Principalities of Andorra and Monaco, the Vatican, Iceland, Croatia, Liechtenstein, Norway, San Marino and Switzerland.

- The assistance guarantee is valid in The Netherlands and 20 km around the Netherlands borders.

- In the event of theft, you must report it to the police or judicial authorities within 24 hours.

- You must submit a copy of the police report to us at the time of the loss.

- You must notify the claim as soon as possible after the incident and within 8 days of becoming aware of it.

- You must keep the original invoice for your bike and for your battery.

- You must lock your bike in two ways:

- With the frame lock and/or via the application on the bike, used in accordance with the manufacturer's instructions (if applicable).

- You must attach your bike by the frame to a fixed point (e.g. bike rack, post) by using an agreed lock, that is either [AXA Hiplok, Kryptonite, Linka (with chain), Master Lock, texlock, Trelock] VdS approved lock of class A+ or B+ , ABUS (Security 10 or higher), ART (category 2 or higher), FUB (category 2 wheels or higher), or Sold Secure Silver (or Gold), Onguard or SRA Locks.

- You can cancel the insurance contract within 14 calendar days of taking out the contract or receiving it.

- You can cancel your insurance at each annual expiry date. To do so, you must inform Qover at least 2 months before the expiry date of your contract, by registered letter, by bailiff's writ or by handing in the cancellation letter against receipt.

- You can cancel the insurance if we change the price or the general conditions.

- You can terminate the insurance contract after it has been tacitly renewed on the main expiry date. The insurance contract will then end 1 day after notification.

- You pay the premium annually.

- Your bike can be covered for a maximum of 5 consecutive years as from the first sale.

- Your contract has a duration of one year and is tacitly renewed every year.

- After five years of insurance (or when your bike reaches 6 years old), we will terminate the contract. This way, you never pay too long and it suits your needs.

- If you wish to report a claim, you can contact Qover via this online form.

- You can reach Qover from Monday to Friday between 9 am and 5 pm on , or by email.

Still have questions?

In case you have any insurance related questions, Qover can help you:
Email: bike@qover.com
Call :+31 20 206 1925 (Monday to Friday: 9:00 to 16:00 CET)

Qover Bike Insurance is a product distributed by Qover NV/SA, an untied agent registered at the FSMA Belgium with n° 650 939 875, Handelsstraat/Rue de Commerce 31- 1000 Brussels.
It is, depending on the country of residence of the policyholder, underwritten by:
- for material damages and theft: Nationale - Nederlanden Schadeverzekering Maatschappij nv, registered with code 2925 as an insurer in the Netherlands or Wakam, registered with code 562 117 085 as an insurer in France (Paris).
- for assistance, when applicable: a local branch of Europ Assistance NV/SA, registered with code 451 366 405 as an insurer in France (Nanterre)
- for emergence expense guarantee, when applicable: Wakam, registered with code 562 117 085 as an insurer in France (Paris).
Depending on the country of residence of the policyholder, the insurance contract has a maximum duration of 5 years, consisting of fixed periods of a number of years according to the applicable insurance laws in the aforementioned country of residence. The fixed periods of years are typically tacitly renewable, unless the policyholder (or the insurer) objects to its renewal according to the applicable form requirements.
Terms & Conditions and the standardized information documents (IPID) can be found on the dedicated pages per country of residence, as well as the applicable complaints procedures.
Applicable law to the insurance contract: the respective laws applicable in the country of residence of the policyholder.