The insurance protects your bike against theft and damage and always includes assistance in case of a breakdown.
You can also choose optional covers, such as:
- Cyclist protection, in case of bodily injury
- Passenger cover, for a passenger aged 12 or under
Who is this insurance for?
This insurance is intended for ING customers aged 18 or over whose primary residence is in Belgium.
Business use is not permitted, except for commercial transport or courier services.
"},"title":"What protection do you get?"},{"componentType":"cta","textLink":{"text":"Log in to receive your personal price","url":"https://ebanking.ing.be/banking/mobile/insurance/bike?EW=true"}},{"componentType":"paragraph","richBody":{"value":"If you're not a customer yet, open first a bank account. and enjoy our new pack value
"}},{"componentType":"sectionTitle","title":"What does the ING Bike Insurance cover?"},{"componentType":"paragraph","richBody":{"value":"| Bikes and e-bikes (city, racing, mountain, gravel, cargo and speed pedelecs) | Other electric mobility devices (scooter, unicycles, segway, etc) | |
|---|---|---|
| Theft* | checked | checked |
| Damage to your bike* | checked | checked |
| Breakdown assistance 24/7** | checked | checked |
Cyclist protection | checked Requires “Theft” and/or “Damage to your bike” insurance | |
Passenger extension | checkedRequires "Cyclist protection" insurance |
* You can choose one of the two guarantees or both.
** Included in the “Theft” and/or “Damage to your bike” insurance, valid in all countries of geographical Europe (with the exception of a breakdown less than 3km from the insured’s home).
"}},{"componentType":"sectionTitle","title":"What the ING Bike Insurance doesn’t cover"},{"componentType":"paragraph","richBody":{"value":"There are a few situations where the cover does not apply:
Important:
The list is not exhaustive. Read the Product Information Document , Terms and Conditions and Mobility Risk Insurance General Provisions before signing up.
NN Non-life is a Dutch company subject to Belgian law for the sale of its bike insurance. ING Bike Insurance is a comprehensive damage insurance for your bicycle or (motorized) mobility device, subject to Belgian law and intended for ING customers.
"}},{"componentType":"sectionTitle","title":"Price and term of ING Bike insurance?"},{"componentType":"paragraph","richBody":{"value":"Your bike insurance premium is based on a personalised rate, calculated according to your profile. You can find more details about how this rate is determined in our segmentation policy (PDF). The premium shown includes all taxes and fees.
What is the duration of the policy?
This insurance is taken out for a period of 1 year. It shall be automatically renewed for one year at a time, with a maximum term of 8 years, unless one of the parties objects.
"}},{"componentType":"sectionTitle","title":"Frequently asked questions about the bike insurance"},{"accordionList":[{"richBody":{"value":"More than ever, bikes and motorised devices are an integral part of alternative mobility. Insuring your bike means peace of mind in case of damage to the bike. The “Cyclist Protection” cover allows the cyclist to be compensated in case of injury.
"},"title":"Why a bike insurance?"},{"richBody":{"value":"E-bike insurance is not compulsory if the vehicle is driven by a mechanical force not exceeding 25 km/h. And in this case, the liability for the e-bike is covered by your family insurance.
Note: Moped Third Party Liability Insurance is required for SpeedPedelec bikes capable of riding autonomously without pedal assistance above the speed of 25 km/h.
"},"title":"Do you need insurance for an electric bike?"},{"richBody":{"value":"Yes, they are insured for a maximum of 300 euros (including VAT). What is meant by that? Any equipment not supplied by default by the manufacturer and which is an integral part of the insured object. This equipment is permanently installed and cannot be used independently of the insured object.
Things specifically intended to supplement the bike equipment (such as bike bags, padlocks, baskets, child seats, sat nav devices or a bicycle cart) are not insured. Your bike helmet, clothes, shoes, the items transported, your mobile phone, etc. are also not covered by the insurance.
"},"title":"Are my fixed bike accessories insured?"},{"richBody":{"value":"Yes, of course. For used bikes more than one year old, all cover can be taken out, with the exception of the “damage to your bike” cover. To do this, your bike must be less than one year old.
"},"title":"Can I also take out insurance for a used bike?"},{"richBody":{"value":"It protects you against the financial consequences of bodily injury as a result of bicycle accidents, up to a maximum of €50,000 (non-indexed) per claim.
"},"title":"Why would I need “Cyclist Protection” cover?"},{"richBody":{"value":"It protects passengers against the financial consequences of bodily injury to passengers up to and including 12 years of age, up to a maximum of €50,000 (non-indexed) per claim.
"},"title":"What is the passenger extension insurance?"},{"richBody":{"value":"A deductible applies to the “damage to your bike” and “theft” coverage, which are part of the bike insurance. The deductible depends on the value of the insured item and varies between 50, 100, 150 and 200 euros. The deductible is always mentioned in the special terms and conditions of your policy.
"},"title":"Do I have to pay a deductible in case of a claim?"},{"richBody":{"value":"In case of theft, but also in case of attempted theft, file a report with the police within 24 hours. Next, declare your loss, gather and forward all useful information: photos, invoices, etc.
Check out our advice on preventing bike theft.
"},"title":"What should I do if my bike is stolen?"},{"richBody":{"value":"If your bike breaks down (e.g. puncture, loss of my bike key, battery problem, etc.), you can contact the ING Assist'Line 24/7 on +32 2 725 15 00. We will send a repairman to your location. An on-site repair is not possible and you cannot go on? In that case, we will take you, the bike, luggage and any passengers, to your home, destination or nearby a bike repair shop. This intervention is valid in Europe.
"},"title":"What should I do in case of a bike breakdown on the road?"},{"richBody":{"value":"Mobility discount: 15% discount on your bike insurance ('Theft' and 'Damage to your bike' cover), if you have already taken out a mobility insurance (bike, moto or car) at ING. The discount is valid as long as the condition is met and is immediately included in the premium.
"},"title":"* How can I benefit of the 15% promotion ?"},{"richBody":{"value":"Yes, we also pay for psychological assistance to the insured persons, with the exclusion of the authorised driver or passenger if they are not a family member, for a trauma resulting in bodily injury following an accident involving the insured object.
This psychological assistance must be prescribed by a doctor and applies for a maximum of three sessions with a recognised psychologist or psychotherapist in Belgium.
"},"title":"Is psychological assistance also reimbursed?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Complaints"},{"componentType":"paragraph","richBody":{"value":"Not entirely satisfied with the distribution of this product? Our Complaints Department and Ombudsman are here to help you. How do I submit a complaint?
Not completely satisfied with your ING Bike Insurance, contact NN online: mobility@nn.be
"}},{"componentType":"sectionTitle","title":"Services and advice"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/283e551e1a232377/original/how-do-you-file-a-statement-of-claim-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/225e3054-51d7-4013-8450-0797f9bfb007/how-do-you-file-a-statement-of-claim-1920","type":"image","width":1920},"intro":"Suffered from any type of damage? We’re here to help.","link":{"url":"/en/individuals/insurance/notify-claim"},"title":"Make a claim"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/69c85440ed1f3f5c/original/A-close-up-of-a-hand-holding-a-retro-arcade-joystick.jpg","transformBaseUrl":"https://assets.ing.com/transform/e8fbeaa0-777b-4614-93cc-e8c75aa95cae/A-close-up-of-a-hand-holding-a-retro-arcade-joystick","type":"image","width":1920},"intro":"Make sure your contract is up to date!","link":{"url":"/en/individuals/insurance/modify-your-insurance"},"linkText":"Insurance","title":"Need to modify your insurance?"}],"componentType":"cards"}]},"hasMacro":false,"id":"0207da1e-5dc2-4a71-a158-7593739c6485","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal mentions"},{"componentType":"paragraph","richBody":{"value":"*Speed pedelecs are insured provided that the electric assistance only works when the rider is pedalling, and the speed is limited to 45 km/h. Bicycles subject to the law on compulsory motor vehicle liability insurance are never covered under this policy
ING Bike Insurance (a damage insurance) is subject to approval and is offered by:
Insurance intermediary: ING Belgium NV/SA – Bank – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RLP Brussels – VAT: BE 0403.200.393 - BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789 – www.ing.be – Contact us via ing.be/contact – Insurance broker, registered with the FSMA under the number 0403.200.393.
Insurer: NN Non-life – VAT number BE 0801.866.930 RPR Brussels, located at Fonsnylaan 38, 1060 Brussels, under the supervision of the NBB accredited under code 2925 and authorised to take out insurance in Belgium on the basis of freedom of establishment in Belgium.
Belgian branch of Nationale-Nederlanden Schadeverzekering Maatschappij N.V., insurance company under Dutch law, under the supervision of the DNB and authorised under code number NBB 2925, with registered office at Prinses Beatrixlaan 35, 2595 AK 's-Gravenhage, The Netherlands – Chamber of Commerce number 27023707
ING Belgium SA/NV - Bank/Lender - Registered office: Avenue Marnix 24, B-1000 Brussels – Brussels - RPM/RPR – VAT: BE 0403.200.393 – BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789. Responsible publisher: Sali Salieski – Cours Saint-Michel 60, 1040 Brussels. 02/2024
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insuring my bike","url":"/en/individuals/insurance/insure-my-bike"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"png","original":"https://assets.ing.com/asset/d5b644c0-1941-4e44-b725-6cc58f0c507b/2-people-on-a-bike.png","transformBaseUrl":"https://assets.ing.com/transform/d5b644c0-1941-4e44-b725-6cc58f0c507b/2-people-on-a-bike","type":"image","width":1440},"subtitle":"Your bike covered against theft, damage and the unexpected. ING Bike insurance Insurer: NN Non-life Read the information sheet before subscribing.","title":"Bike insurance"},"cta":{"componentType":"cta","textLink":{"text":"Log in to see your price","url":"https://ebanking.ing.be/banking/mobile/insurance/bike?EW=true"}},"secondaryCta":{"textLink":{"text":"Not a client? Calculate your price","url":"/en/individuals/current-accounts-packs"}},"usps":[{"body":"15% \"mobility\" discount*","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/7a2e6a3256ab6223/original/Feedback-Thumbs_Up_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/5088d817-3e5e-4106-866e-bc520fbd75fc/Feedback-Thumbs_Up_Outline","type":"image","width":32}},{"body":"24/7 assistance across Europe","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/43db5b8101ae7829/original/Location-Target_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/735b6f31-ef7d-4b91-8f79-a15fe850b897/Location-Target_Outline","type":"image","width":32}},{"body":"100% online","icon":{"extension":"png","original":"https://assets.ing.com/m/8bbc7783d546c8d/original/mobile_phone_outline_orange_rgb0.png","transformBaseUrl":"https://assets.ing.com/transform/3befe157-6103-4091-ade5-3ec15e008cfc/mobile_phone_outline_orange_rgb0","type":"image","width":200}}]},"publishDate":"2026-06-10T15:23:45.072+02:00"}}