Qover Bicycle Insurance Review 2024: Is It Right For You?

Charles Baisden

Qover Bicycle Insurance covers your bike against theft and/or material damage, including those caused by accident, vandalism, flood, fire, and other external elements. Also, your fixed accessories are covered for up to £100. There is no excess in case of theft and only a small excess of £35 for damages.

This insurance covers all types of two and three-wheeled bikes, including second-hand bikes up to 1-year of age (since initial invoice). Qover bases premiums on the bike’s insured value, and it applies no depreciation.

Overall rating


Summary: The bicycle insurance covers all types of two and three-wheeled bikes, including second-hand bikes up to 1-year of age against theft and material damage. Ideal for bike owners who want to protect their bicycle at a low cost.

Qover Bicycle Insurance

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Coverage Up To

£0 - £35




Policy Application


Fees & Coverage


Claim Support


Customer Service


Safe & Secure


  • No depreciation is applied
  • Protection against theft
  • Protection against material damage


  • Only covers fixed original bike accessories
  • Does not cover cosmetic damage

Best For

  • Industry-specific bike insurance
  • Fast and easy claim processing
  • Expert advice


HQRue du Commerce, 31
1000 Brussels
PolicyBike theft, or bike theft and material damage
Coverage Up To£10,000
Excess£0 for theft and £35 for damages
Term LengthMaximum 3 years, renewable every 1 year

In depth review on Qover bicycle insurance

The Qover Bicycle insurance is managed by Qover, an untied insurance agent registered with the Financial Services and Markets Authority. It is authorized and regulated by the Financial Conduct Authority. Qover takes care of all the paperwork relating to your insurance policy and all related communication.

This insurance is 100% digital and is intended for people aged 18 or over, individuals, companies, or self-employed. Qover insures bikes up to a maximum of  £10,000. The policy’s term length is one year, with a maximum duration of 3 years, and the start date and expiry date of the insurance contract are determined in the policy schedule. 

Both the policyholder and Qover can cancel the contract for various reasons, as provided in the general terms and conditions. A policyholder can also revoke the insurance contract within 14 calendar days after receiving the policy schedule, general terms and conditions, and the pre-contractual information without providing a reason.

In the unfortunate case of death, the insurance contract is transferred to your successors, who can choose to keep it or cancel it. If you sell the bike, the insurance contract is not transferable and will automatically end from the moment of notification. Qover reimburses you an amount of premium in proportion to the unexpired days remaining on the contact period.

Qover bicycle insurance is best for

  • Industry-specific Bike Insurance: Qover provides a policy that specifically targets bike owners. By working directly with the target group, their terms and conditions are more relatable, making it one of the market’s best bike insurance providers.
  • Fast and easy claim processing: Qover is 100% digital; hence you can easily file your claim online in 5 minutes.
  • Expert advice: Qover offers advice from bike insurance experts on various topics from bike insurance policies to securely locking your bike.

Qover bicycle insurance benefits

  • No depreciation is applied: Depreciation on the insured bike won’t be applied for the life of the contract. Qover will cover the cost linked to a damage claim (less the excess) or reimburse the total insured value in case of theft to be able to buy a new bike by buying a new one of equal quality.
  • Protection against theft: With this insurance, clients can comfortably park their bikes in open streets without the constant worry of theft or damages from attempted theft, but must always be attached to a fixed point with a certified lock. Qover provides day, night, indoor and outdoor protection. 
  • Protection against material damages: Purchasing a bike sometimes can be a significant investment, and daily use increases the chance of potential material damage. Qover will help in the event of material damage (an excess of £35 applies):
    • Accidentally caused by external forces or by you
    • Caused by acts of vandalism
    • Caused by contact with animals or natural elements, including fire and flood

Qover bicycle insurance drawbacks

  • Not all bike accessories are covered: Wheels, tyres, and electric batteries are not covered if they are stolen separately from the bike. 
  • Doesn’t cover cosmetic damage: This includes scratches, bumps, chipping or rust that may alter your bike’s sleek look. Also, the damage you cause to third parties is not covered.

Factors contributing to the overall rating

Policy application


The application for the policy is online via the website. Select your bike type and purchase price (inclusive of VAT), then click on ‘Get my price.’ Follow the instructions to get your quote and sign up.

Fees & coverage


The premium depends on the bike’s insured value and your cover’s extent, as stated in the policy schedule. Payment must be made in full using either a debit or credit card. You will receive an invitation to pay from the insurer at renewal if renewal is offered and if you wish to renew your policy. If you wish to cancel your policy, you must do so no later than 10 days before the start date of your new policy (as stated in the renewal notice)

When comparing insurance covers, consider the scope of cover, the amount of excess, and the exclusions that may apply.

Bikes coveredAll types of two and three-wheeled bikes and the speed cannot exceed 25 kmph or 15.5 mph. 

It also covers second-hand bikes provided they are less than 12 months old at the time of purchase (i.e. invoice date). In the case of second-hand bikes and bikes over 30 days old, Qover will ask you to send recent photos of your bicycle. 
TheftThis insurance covers the insured bike and all original fixed accessories of the bike against theft.
Material damageQover covers the cost of repairing material accidental damage and damage caused by external elements to your bike and all original fixed accessories (up to £100 for the original fixed accessories). Excess of £35 per claim. 

This policy does not cover the damage you cause to third parties.
Malicious damage The damage caused by third parties by an unreasonable act, such as graffiti or intentional damage is covered. 
Personal accident N/A
3rd party liability N/A
AccessoriesAs supplied by the seller or manufacturer, it covers fixed original accessories of the bike for up to £100. 
Cycling abroadIt covers you in the European Union, in the United Kingdom of Great Britain, the Principalities of Andorra and Monaco, the Vatican City, Iceland, Liechtenstein, Norway, San Marino, and Switzerland. 
Competition usageIt doesn’t cover damage resulting from participation in a competition. 
Coverage exclusions The complete list of exclusions is in the contract between you and Qover. The main ones include

– Theft when the bike is not locked with an approved lock or attached to a fixed point.
– Any damage other than that caused to the bike and its original fixed accessories. 
– Wheels, tires, and batteries are not covered if they were stolen separately from the bike.
– Aesthetic damage (scratches, dents) and wear and tear damage to the bike
– Damage resulting from negligence, intoxication, or modifications of the bike or a pure technical defect. 

Claim support 


If someone steals your bicycle, you must report the incident to the police within 24 hours of discovery and report the claim online (this takes less than 5 min). If damaged, you must inform the insurer online within 8 days of discovering the damage. Qover experts will process your claim as soon as possible to calculate the compensation you are entitled to receive.  

The following steps are required after an incident:

  • Provide the exact information and circumstances at the time of the conclusion of the insurance
  • Inform Qover of any changes that occur during the term of the insurance contract that affects the items and statements mentioned in the policy
  • Pay the premium(s) as and when they are due
  • In the event of a claim, you must take all necessary measures to limit the extent of the damage.
  • Report the theft police or judicial authorities within 24 hours of becoming aware of the theft or attempted theft and damage. A copy of the report will be requested when you make a claim.
  • If it is possible to repair your bike, you must go to an approved repair shop and provide an estimate of the damage before the repair is carried out.

Customer service


The Qover team is available Monday to Friday from 8 am to 4 pm to handle your queries and any other issues. You can reach them via  0800 048 8899 or email:

Safe & secure


The Qover insurance contract is governed by the laws of England and Wales and, regarding individuals only. It is a consumer insurance contract within the meaning of the Consumer Insurance (Disclosure and Representations) Act 2012 and the Insurance Act 2015.

Is Qover bicycle insurance right for you?

If you own a bike, then this insurance is ideal. It will protect against theft and material damage removing the fear and worry associated with owning a bike. It is 100% digital, making applying for the cover and claims processing quick and easy.

• This policy is administered by Qover SA. Qover is a Belgian untied insurance agent registered with the Financial Services and Markets Authority of Belgium under the code 0650.939.878 with registered address Rue du Commerce 31, 1000 Brussels. Deemed authorised and regulated by the Financial Conduct Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.
• Theft and material damage coverage is taken out with Wakam. Wakam is a limited company registered with the Paris Trade and Companies Register (Registre du Commerce et des Sociétés) under number 562 117 085 operating through its UK Branch whose principal place of business is 18th & 19th Floors, 100 Bishopsgate, London, EC2N 4AG. Authorised and regulated by the Autorité de Contrôle Prudentiel et de Résolution. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.
• Bike insurance is a non-life insurance product (Branch 3).
• This contract is entered into for a period of one year. The contract may be renewed twice for two further periods of one year each.
• This insurance contract is subject to the laws of England and Wales.

Please always refer you to the Terms and Conditions of the Bicycle Insurance. Those are the only one binding you and Qover.