What does a continuous bicycle insurance involve?
A continuous bicycle insurance means that you pay the insurance premium per month or per year. With a continuous bicycle insurance your bicycle is insured all year round. There is no end date to the insurance as is the case with a short-term insurance. If your bicycle is stolen halfway through the year, the excess premium paid is refunded. So you never pay premium when you don't need to.
Advantages of a continuous bicycle insurance
There are many advantages to a continuous bicycle insurance. Of course, it is not obligatory to take out a bicycle insurance, but it is generally recommended. Often you pay hundreds or, in case of an e-bike, even thousands of euros for your bicycle. Unfortunately, bicycle theft is very common in the Netherlands. Therefore it is good if you are well insured in case of theft. With a bicycle insurance you will not suffer any financial loss as a result of the theft. The insurance often includes a generous compensation. For example, during the first three years you will receive 100% of the insured amount and not the current value of the bicycle. With most bicycle insurances you do not have to pay an excess. So you get the full amount of the claim back. For a relatively low premium, you can insure your bicycle against theft and accidental damage.
Why take out a continuous bicycle insurance?
With a continuous bicycle insurance you are insured throughout the year. You can call upon the bicycle insurance company in case of theft of your bicycle, but also in case of damage to the bicycle due to e.g. a collision. Especially if you use your bicycle a lot, e.g. for commuting, it is nice if damage or theft is solved quickly. This insurance is often taken out for new bicycles until they are a few years old. Not all insurers offer continuous bicycle insurance. It is often possible to take out bicycle insurance with the seller of the bicycle. However, we recommend to compare online first. This way you can take out bicycle insurance with the best conditions and the lowest premium.
When to buy a continuous bicycle insurance
A continuous bicycle insurance is often taken out for new bicycles until they are a few years old. The advantage of a continuous bicycle insurance is that you can cancel the insurance on a daily basis after the first year of insurance. Take a look at the purchase value of your bicycle. For a second-hand city bike of a few euros it is not worthwhile to take out a continuous bicycle insurance. However, if you have bought a (second-hand) e-bike or special racing bicycle, a continuous insurance is recommended.
Take out bicycle insurance directly through Alpina
Still looking for the right bike insurance? At Alpina.nl you can directly compare and take out your bicycle insurance. With our handy online comparer you can quickly calculate the premium. Do you still have questions? Then be sure to contact us! You can reach us Monday through Friday from 8 a.m. to 6 p.m. by phone at 030 - 688 37 00. You can also send us a message 24/7 via chat, WhatsApp or Messenger.
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