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Is my bicycle insured on the car's bicycle rack?

The Netherlands is known worldwide as a real cycling country. In our own country, we have more than 35,000 kilometres of cycle paths! Now that spring has arrived, many people will take to their bikes. A part of these people make bicycle tours from their own home address, while another part mounts the bicycle on the bicycle carrier of the car to explore further afield. Are you also planning to transport your bicycle on a bicycle carrier? Keep in mind that your bicycle is not always insured for damage on the road.

Who pays for damage to a bicycle in the car's bicycle rack?

If your bike is attached to the car's bike carrier and gets damaged, the damage can always be recovered from the person who caused the damage. For example, if another motorist hits you from behind, damaging the bike, the damage to the bike can be recovered from that motorist's third-party car insurance.

If you have caused the damage to the bicycle yourself, for example by driving backwards into a lamppost, the situation is quite different. Your car insurance company does not have to pay any compensation for self-inflicted damage to the bicycle. The chosen coverage on your car insurance doesn't matter. Your car insurance company does not have to compensate the damage to the bicycle, not even when you have a WA+Casco (All Risk) car insurance.

Car bike carrier

Don't lose sight of your bicycle!

There are many cases of bicycles being stolen from cars. Relatively expensive bicycles, such as e-bikes, are particularly popular with bicycle thieves. It is therefore important not to lose sight of your bicycle when you have parked the car. As the bicycle is not seen as an accessory of the car (contrary to the bicycle carrier by the way), theft of the bicycle is not covered on the car insurance.

Want bicycle insurance? Calculate your premium!

Which insurances do cover bicycle damage?

Do you want to be properly insured for damage to your bicycle in the bicycle rack of your car? Then you can choose to take out a simple bicycle insurance. Taking out travel insurance is also a good solution in many cases. However, it is wise to take into account that most travel insurances cover you up to a maximum amount.

Calculate the premium of your bicycle insurance directly!

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