'More enjoyment without worries'

Why a bicycle insurance?

You’re not the only one who loves your bike. Every year, no less than 32,000 bicycle thefts are officially recorded. Unofficially, it’s about 150,000 cases. And that number only increases every year. Bicycle insurance is certainly not an unnecessary luxury.

With Enra we have a reliable partner who creates a solid bike insurance for you.

Calculate your policy

FAQ

We get these questions regularly….

Do I pay policy fees for my insurance?

No, you don’t pay any policy fees.

 

I lost my bike key, what should I do?

It is important that you have a new key made as soon as possible. You can do this via our key service or via the shop. The key must be ordered from the supplier or manufacturer of the lock. You cannot order the key through ENRA.

You can use this form to inform us that you have reordered a key. For the coverage of your insurance it is necessary that we know that you have ordered an additional key.

I exchanged my bike for a new one. How about my insurance?

You can take out new insurance for your new bike. The insurance of your old bike can be terminated.

The insurance of your old bike will not be stopped by itself. For this, you can use this form.
Premiums that you have overpaid will be returned from us. It is therefore important that your IBAN is known to us.

You can also choose to insure your new bike on your current policy. For this, we would like to receive the details of your new bike.
You can pass this information on to us by filling out this form.

I have damage to my bike, what should I do?

If your bicycle is damaged, you can have it repaired by your bicycle dealer. We will further settle the damage with the bicycle dealer. You must pay any deductible to the bicycle dealer yourself. The level of your deductible differs per type of cover and insurance.

Is your damage the result of a unilateral accident? Then you can report this to us via this form .

I have damage and it's not my fault, what should I do?

Try to fill in a European Claim Form with the other party. You can then have your bicycle repaired at a bicycle dealer. You then send us the European Claim Form. We will try to recover the damage, including your deductible, from the other party for you.

Download the European Damage Form here.

If you would like us to send you a form on paper , you can here

Is your damage the result of a unilateral accident? Then you can report this to us via this form .

 
I'm moving abroad. Can I keep my insurance?

No. 1 month after you settle abroad, the insurance may no longer be maintained. We request that you inform us of your move.

Download the European Damage Form here.

If you would like us to send you a form on paper , you can here

Is your damage the result of a unilateral accident? Then you can report this to us via this form .

Is my battery E-bike or speed pedelec also insured?

Yes, the battery that is fixed mounted on your bicycle, is also insured.

If you have bought an extra battery that is stored separately from the bicycle, then this is not included in the insurance.
If you have a second battery permanently mounted on the bicycle, and this is also specified on the purchase invoice, you can still insure this.

For damage to the battery, a depreciation of 0.75% per month applies, calculated from the commencement date of the insurance.

This exemption must be paid by the insured to the bicycle dealer.

Is parts theft insured?

Theft of parts (such as handlebars, saddle, battery, etc.) of the bicycle is insured if you have opted for Omnium insurance. With Theft insurance, only theft of the entire object is insured.

 
Is there an exemption from my insurance?

ENRA Theft

No exemption

ENRA Omnium

There is no exemption for theft cover.
For all other incidents, the exemption is € 35. This exemption applies per claim.
For insurance taken out before 1 May 2019, an exemption of € 25 applies in the first insurance year.

For damage to the battery, a depreciation of 0.75% per month applies, calculated from the commencement date of the insurance.

ENRA Omnium for Road bike or MTB

In the event of theft, an exemption of 20% of the insured amount applies.
In case of damage, you have an exemption of 20% of the damage amount, with a minimum of € 50.

For damage to the battery, a depreciation of 0.75% per month applies from the commencement date of the insurance.

Is it possible to insure accessories to my bike?

Accessories listed on your purchase note may be included.

Accessories are additional parts attached to the bike that are not fitted to or on your bike in the factory.

A loose battery that you keep at home cannot be insured.
A second battery that is fixed to your bike can be insured. This will be subject to the same depreciation as for the first battery.

Is my bike instantly insured when I apply for it online?

Yes. Once you have taken out your insurance, there is a provisional cover of force. You can immediately be well insured on the road.

Your insurance application will then be dealt with by us in substance. If additional questions are needed, we will contact you.
You can apply for your insurance via our website or through the bicycle dealer.

You can’t take out BA insurance at ENRA for your speed pedelec.

 

Is my bike insured on holiday?

Yes. The insurances are valid all over the world.

Our cycling assistance is at your disposal throughout Europe if you have chosen this coverage.

Can I also insure an (electric) cargo bike?

Yes. You can also insure a cargo bike with us.

If it is an electric cargo bike, opt for an electric bike.
If it is a normal cargo bike, choose a bike.

Can I also insure an (electric) folding bike or folding bike?

Yes. A folding bike or folding bike can also be insure with us.

If it is an electric folding bike, opt for an electric bike.
If it is a normal folding bike, choose a bike.

My bike was stolen, what should I do?
  1. Do report to the police as soon as possible. You can do that hier.
    Important: always include the following details of the stolen bicycle in the declaration:

    1. Mark
    2. Type
    3. Frame number
    4. Whether or not the bike was locked
  2. Go to the bike specialist where you bought the bike. You must submit the following information to the cycling specialist:
    1. Process verbal
    2. Two (original) keys
    3. Copy of the policy sheet
  3. The cycling specialist checks the police report and the keys. If all is agreed, the damage will be dealt with as soon as possible

Can’t go to your cycling specialist? Then make a copy of your police report and a photo of the keys for your own administration. Then send the necessary data in a sturdy envelope to:

ENRA insurance e.g.
Rubensstraat 104 bus 62
2300 Turnhout

In case of theft or total loss, do I always have to take a new bike from the bicycle dealer?
  1. Yes. Bicycle insurance is a kind insurance policy. This means that you will receive a new bike from the bicycle dealer where you have taken out the insurance.

    If you have taken out the insurance directly through our website, you can decide where to buy the replacement bike.
    We will pay you the insured amount, less any depreciation and on the basis of the invoice of the new bike.

What does ENRA Bicycle Assistance mean?
  1. You can use the ENRA Bicycle Assistance if you unexpectedly end up on the road with bad luck along the way. Whether you have contributed the Bicycle Assistance you can see on your policy. ENRA Bicycle Assistance does not repair your bicycle or vehicle, but ensures that you and your bicycle or vehicle are returned to the starting point of that day.

    Insured:

    Assistance by the ENRA emergency centre if the vehicle can no longer be ridden due to breakdown, theft or a traffic accident. You can reach our emergency centre by calling 0800 – 92 666.
    The costs of the assistance are insured. The assistance consists of the transport of the insured object and the occupant(s) to the starting point of the trip.
    Also insured are the cost of transport of the vehicle, the occupant(s) and up to one other participant (with bicycle)

    Not insured:

    An empty battery of an E-bike or speed pedelec if it has failed to charge in time before the start of the bike ride or if it has become empty due to exceeding the range as specified by the supplier.
    The person or someone who has an interest in the assistance.
    Bad luck within the 1st kilometer of the starting point of your trip.

    Costs will only be reimbursed after prior authorisation from the ENRA emergency centre.

     

What is the maximum duration of the insurance?
  1. The maximum duration of a bicycle insurance is 5 years. If you still want to insure the bike after this period, you can do so.

    You can then go to a bicycle dealer. This one values the bike. For the valued value, the bicycle dealer can again insure the bike for you for up to 5 years. The premium depends on the valued value.

    It is important that the bicycle dealer cooperates with us. Hier you can find a dealer near you who works with us.

What is the battery exemption?
  1. In the case of damage to your battery, there is an additional exemption.

    For damage to the battery, a depreciation of 0.75% per month is calculated from the effective date of the insurance.

    This exemption must be paid by the insured to the bicycle dealer.

What is an approved lock?
  1. It is important that your bike is equipped with an ART-approved fixed lock, with at least 2 stars. Whether your lock meets the requirements and is therefore accepted by us can be seen on www.stichtingart.nl. The bicycle dealer can also tell you if it is an approved lock.

    If, after theft, it appears that no lock was fitted to your bike which meets the requirements of our bike, this may affect the benefit.

    In order to be eligible for a benefit in the case of theft, it is necessary that your bike was locked and that you can hand over the keys to us.

What's covered by the theft cover?
  1. The theft cover includes theft of the bicycle and the consequential damage of theft.

    Theft of parts is not covered by the theft cover. If you take out an Omnium insurance, theft of parts is also assured.

Enra can make adjustments to their policy at any time, so always inform you directly before taking out insurance.