No, except for a speed pedelec. In this case, a liability insurance policy is mandatory.
Bicycle insurance Belgium 2025: what you need to know
From trendy e-bikes to fast speed pedelecs: more and more Belgians are opting for electrically-assisted bicycles. Good for mobility and the environment, but unfortunately also attractive to thieves. The value of these modern bikes easily reaches €1,500 to €6,000. No wonder bike insurance is becoming increasingly common.
But how much insurance do you really need? And is it compulsory? In this article, we review the legislation, types of insurance, prices and pitfalls to avoid. That way, you'll know exactly what's right for you.
Is bicycle insurance compulsory in Belgium?
For most bikes, no. If you ride a city bike or a classic e-bike limited to 25 km/h, you decide for yourself whether to insure it.
There is, however, one exception: the speed pedelec. This type of bike can reach speeds of up to 45 km/h and is legally considered a class B moped. According to the official website of the Flemish Region, this means :
- Compulsory civil liability insurance → covers damage you cause to others.
- AM driving license required.
- License plate required.
- EN1078-compliant helmet.
In short: the only legal requirement for a speed pedelec is insurance. For all other bikes, it's not compulsory, but often recommended.
What types of bicycle insurance are available?
In 2025, you can choose between four global formulas:
1. Theft insurance
- The most common, especially for high-end e-bikes.
- Covers theft (at home and on the move).
- Also covers damage caused by attempted theft.
- Conditions: generally an approved anti-theft device (e.g. ART2 or higher) and filing of a complaint within 24 hours.
2. Omnium insurance (theft + damage)
A more complete package:
- Includes everything covered by theft insurance.
- Also covers damage in the event of an accident (even if you're at fault).
- Vandalism, falls or collisions also covered. Ideal for owners of high-value electric bikes.
3. Liability insurance
- Mandatory for speed pedelecs.
- Only covers damage to third parties, not to your own bike.
4. Additional options
- Legal protection: assistance in the event of litigation.
- Breakdown assistance: replacement bike or repatriation in the event of breakdown.
- Accident insurance: coverage of medical expenses or compensation in the event of injury.
What will bicycle insurance cover in 2025?
Depending on the contract and the insurer, you can expect :
- Theft: at home (garage, cellar) and on the move.
- Damage: included in an omnium, even if you are at fault.
- Accessories: battery, anti-theft device or child seat often included.
- Replacement bike: offered temporarily by some insurers.
Beware of exclusions:
- No approved anti-theft device → no refund.
- Bicycle not attached to a fixed point → often excluded.
- Lost keys or negligence → not covered.
How much does bicycle insurance cost?
The premium depends on the value and type of bike, the cover chosen and where you live (more expensive in the city). Always compare several offers to find the best price.
Tentative rates for 2025 :
- Theft insurance: €80 - €150/year.
- Omnium insurance: €120 - €250/year.
- RC speed pedelec : often available as a package from €100/year.
Example: a €2,000 refurbished e-bike costs an average of €120/year for an omnium.
Even if some people feel they don't need insurance, it brings real peace of mind.
Points of attention when comparing
Don't just look at the price: also check :
- Coverage: only theft or also damage?
- Deductible: often 5% or min. €25 - €50.
- Contract duration: some last 3 to 5 years.
- Theft conditions: what type of anti-theft device is required?
- International coverage: Belgium only or Europe as well?
Known insurers in Belgium (2025)
Tip: ask for at least three quotes, and always read the fine print.
Insuring a refurbished e-bike: a good idea?
At dealers like Upway, a refurbished e-bike costs 30% to 60% less than a new one. Yet the value often exceeds €2,000.
- Advantage: lower premium due to lower purchase price.
- Disadvantage: some insurers work on new value, others on purchase price → always check.
Conclusion: even a refurbished bike deserves insurance.
Conclusion
In Belgium, in 2025, bicycle insurance is not always compulsory, but often a wise choice.
- Classic bike or e-bike (≤25 km/h): not compulsory, but theft or omnium insurance offers real peace of mind.
- Speed pedelec (45 km/h): compulsory third-party liability, additional cover recommended.
Whether you choose a new or refurbished bike, with the right insurance you can ride with peace of mind.
Frequently asked questions
Is bicycle insurance compulsory in Belgium?
What is the average cost of bicycle insurance?
Between €80 and €250 per year, depending on the type of bike and coverage.
Is a speed pedelec still considered a moped?
Yes, it is legally classified as a class B moped. Hence the requirement for third-party insurance, helmet and license plate.
What insurance covers accident damage?
Omnium insurance. Theft insurance covers theft only.