Electric bikes have become a must-have when it comes to mobility. And with good reason: time saving, comfort, ease of use... What's more, there is now a wide range of models available, such as the very convenient cargo bikes for example.
However, these bikes do not come cheap and unfortunately they are not immune to theft or accidents.
ING and its insurance partner NN Non-life want to protect you from such losses by offering you 100% online "à la carte" electric bike insurance.
"}},{"componentType":"sectionTitle","title":"Why take out the ING Bike Insurance for your electric bike?"},{"componentType":"productFeatures","highlighted":false,"image":{"extension":"jpg","original":"https://assets.ing.com/m/4f616082121a7c43/original/EBike-only-1200x1200.jpg","transformBaseUrl":"https://assets.ing.com/transform/d91416c1-f51d-4a78-921e-6751708d2e45/EBike-only-1200x1200","type":"image","width":1200},"items":[{"body":"Theft, bike damage, cyclist protection, breakdown assistance... Even potential passengers up to 12 years old can be covered with the \"Passengers\" option.","title":"“A la carte” coverage"},{"body":"If you already have insurance with ING for another vehicle (bicycle, motorbike or car), we offer you an annual discount.","title":"15% \"mobility\" reduction"},{"body":"Does your electric bike have a GPS-tracker? ING offers you a discount on the theft guarantee because of this additional security brought to your bike.","title":"20% GPS reduction"}]},{"componentType":"sectionTitle","title":"Bike insurance: for which types of electric bikes?"},{"alignedImage":{"position":"left","extension":"png","original":"https://assets.ing.com/m/19a92a5e5d69e429/original/square-bike-duo.png","transformBaseUrl":"https://assets.ing.com/transform/813cfd36-24a8-4df5-8ff6-d6691b7cbab1/square-bike-duo"},"componentType":"paragraph","richBody":{"value":"ING Bicycle Insurance covers the following electric bicycles:
Any kind of electric bikes with or without pedalling assistance, provided that the maximum speed of 25 km/h is not exceeded.
Fatbikes* and electric bikes in the SpeedPedelec** category are not covered by this insurance.
* A Fatbike is a bike fitted with extremely wide tyres.
** A SpeedPedelec is a bike that can reach speeds of 25 km/h without pedalling assistance.
"}},{"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.
"}},{"componentType":"sectionTitle","title":"What does the ING Bike Insurance cover?"},{"componentType":"paragraph","richBody":{"value":"| City bike, racing bike, mountain bike, gravel bike, cargo bike | Motorised propulsion machine (scooter, unicycle, 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 | checked Requires “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 Belgium (with the exception of a breakdown less than 3km from the insured’s home) and up to 20km beyond the border.
"}},{"componentType":"sectionTitle","title":"What the ING Bike Insurance doesn't cover"},{"componentType":"paragraph","richBody":{"value":"All electric bikes with pedal assistance of up to 25 km/h are eligible for the bike insurance. Since buying an electric bike is a major investment, we recommend that you protect your investment as good as possible. Fatbikes and Speed Pedelecs cannot be insured with the bike insurance.
"},"title":"Which electrically-assisted bikes are eligible for the bike insurance?"},{"richBody":{"value":"Buying an electric bike or an e-bike is generally quite expensive, and unfortunately thefts of these bicycles are on the rise. It is not compulsory to take out insurance for your electric bike, but it is strongly recommended that you protect your investment. This means you're covered against theft and property damage. The third-party liability of your electric bike is covered by your civil liability insurance. Note that for Speed Pedelecs that can travel independently without pedal assistance at speeds in excess of 25 km/h, moped liability insurance is required.
"},"title":"Is insurance compulsory for an electric 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 electric 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.
Note that this intervention is valid in Belgium (with the exception of a breakdown less than 3km from your home) and up to 20km beyond the border
"},"title":"What should I do in case of a bike breakdown on the road?"},{"richBody":{"value":"Report the incident as quickly as possible. You can do this online at myclaim.be, on the ING Assist'Line +32 2 725 15 00 or at myclaim@nn.be.
"},"title":"What should I do if I want to make a claim?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Useful information"},{"componentType":"paragraph","richBody":{"value":"A full description of this insurance can be found in:
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.
"},"title":"Read these documents before taking out a bike insurance"},{"componentType":"paragraph","richBody":{"value":"ING Bike Insurance is intended for ING customers with a bike or (motorised) mobility device. This insurance can be taken out by natural persons aged 18 and over who have their primary residence in Belgium. Business use is permitted unless it concerns commercial transportation of goods or people, vehicle rental, business rental or courier services.
"},"title":"Who can take out ING Bike Insurance?"},{"componentType":"paragraph","richBody":{"value":"You benefit from a personalised rate. Find out more about: the segmentation policy (pdf)
The premium also includes taxes and fees.
"},"title":"Rate"},{"componentType":"paragraph","richBody":{"value":"The term of your contract is one year. The policy is tacitly renewed for a further period of one year on each anniversary date, unless one of the parties terminates the insurance no later than three months before the expiry date, or if the insurance is validly terminated before that date.
"},"title":"Duration"},{"componentType":"paragraph","richBody":{"value":"Not entirely satisfied with the distribution of this product?
Are you not completely satisfied with your ING Bike Insurance?
Are you not satisfied with our response to your complaint? You can also contact the Insurance Ombudsman
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
"},"title":"Legal mentions"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insuring my bike","url":"/en/individuals/insurance/insure-my-bike"}},"componentType":"productHeader","coreHeader":{"body":"Read the information sheet before subscribing.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/49fc8956d769caf6/original/Family-riding-a-bike.jpg","transformBaseUrl":"https://assets.ing.com/transform/b00056db-c806-4c2f-9e53-f79aad435f99/Family-riding-a-bike","type":"image","width":1920},"subtitle":"Whether you use your electric bike for a nice ride or to get to work, with ING Bike Insurance you're covered. Insurer: NN Non-life","title":"Electric bike insurance"},"cta":{"componentType":"cta","textLink":{"text":"Log in to receive your personal price","url":"https://ebanking.ing.be/banking/mobile/insurance/bike?EW=true"}},"secondaryCta":{"textLink":{"text":"Not a customer yet? Open your account","url":"/en/individuals/daily-banking/compare-bank-accounts"}},"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":"20% GPS-tracker discount","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":"Breakdown assistance 24/7","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/6c368d3243c21e12/original/Savings_goals-Tools_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/eb3d520a-f5ff-41a7-8cef-dfac9e47ec8e/Savings_goals-Tools_Outline","type":"image","width":32}}]},"publishDate":"2026-01-13T15:20:26.325+01:00"}}