1. Type, merk en waarde van je fiets

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Er zijn genoeg soorten fietsen op de markt. 'Gewone' stadsfietsen, vouwfietsen, racefietsen en ga zo maar door. Ook qua merken valt er genoeg te kiezen. Voor sommige typen en merken fietsen is een verzekering meer aan te raden dan voor andere. Hoe zit dat?
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\nOver het algemeen worden de meest waardevolle fietsen het vaakst gestolen. Vanwege hun hoge prijzen zijn elektrische fietsen bijvoorbeeld een populair doelwit. Een verzekering wordt daarom vaak aangeraden voor e-bikes. Naar schatting wordt wel 80% van alle nieuwe e-bikes verzekerd. Fatbikes worden zelfs zo vaak gestolen, dat deze fietsen bij meerdere verzekeraars niet meer verzekerd kunnen worden. Ook sommige merken lopen meer risico op diefstal dan andere. Gazelle, Cortina en Urban Arrow bakfietsen zijn bijvoorbeeld bijzonder populair onder dieven.
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\nGa na hoe gewild jouw type en merk fiets is om te bepalen of je een diefstalverzekering nodig hebt. En heeft jouw type of merk fiets kwetsbare onderdelen? Dan is het handig om hem ook te verzekeren tegen schade.

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E-bikes of speed pedelecs

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Veel verzekeraars bieden speciale verzekeringen aan voor elektrische fietsen of speed pedelecs. Let bij je keuze vooral op de dekking van de accu. Meer weten? Bekijk de belangrijkste vragen over het verzekeren van e-bikes.

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2. Leeftijd van je fiets, dagwaarde en nieuwwaarde

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Wordt je fiets gestolen, of is het frame total loss na een ongeval? Dan verschilt het per verzekeraar hoeveel je precies vergoed krijgt. Ook de leeftijd van je fiets en het moment waarop je de verzekering afsloot hebben hiermee te maken. Zo krijg je soms de nieuwwaarde vergoed, soms de dagwaarde en soms een bepaald percentage van de aanschafwaarde.

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Let daarom bij het afsluiten van je fietsverzekering op welke vergoedingen er precies gelden, en hoe dit is gekoppeld aan de leeftijd van je fiets. Zo weet je waar je op kunt rekenen.

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3. Diefstal, schade of pechhulp

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Bij een fietsverzekering denk je misschien vooral aan diefstal. Maar als je valt met je dure e-bike heb je óók veel plezier van een verzekering met een goede dekking tegen schade. En bij veel verzekeraars kun je nog kiezen voor extra dekkingen. Bij de ANWB Fietsverzekering kun je bijvoorbeeld een aanvullende dekking voor pechhulp afsluiten, of een dekking voor juridische hulp bij conflicten in het verkeer.

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Kijk wat voor type dekkingen er worden aangeboden per verzekeraar en ga voor jezelf na wat past bij jouw situatie.

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4. Waar en hoe parkeer je je fiets?

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Fietsendieven hebben hun voorkeuren voor locaties om fietsen te stelen. Zo slaan ze graag toe rond winkelcentra en stationsgebieden. Als je jouw fiets vaak parkeert op dit soort plekken, is een diefstalverzekering zeker aan te raden. Houd er ook rekening mee hoe veilig je jouw fiets thuis kunt stallen:

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Heb je een garage of schuur waar je fiets in kan staan?
Kun je een parkeerplek huren in de buurt, zoals in een fietsentrommel of een afgeschermde fietsenstalling?
Als je je fiets op straat moet stallen, kun je hem dan vastzetten aan een fietsnietje of een paal?

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Dit heeft allemaal invloed op het risico dat jouw fiets loopt. Hoe hoger het risico, hoe meer baat je hebt bij een goede dekking tegen diefstal.

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5. Eigen risico

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Stel je krijgt te maken met schade, dan is het fijn als je weinig eigen risico hoeft te betalen. Het eigen risico kan verschillen per verzekeraar, dus let hierop voor je een fietsverzekering afsluit. Bij de ANWB Fietsverzekering is het eigen risico 5% van het verzekerd bedrag bij diefstal en € 50,- bij alle andere schades.

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6. Thuis- of vakantiefietser?

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Fijn natuurlijk als je fiets rondom thuis goed verzekerd is. Maar misschien neem je hem ook wel mee naar Frankrijk, achterop de auto. Of steek je voor een mooi rondje even de grens naar Duitsland over. Neem je jouw fiets mee op vakantie of naar het buitenland? Check dan of je verzekering ook buiten Nederland geldig is. Met de ANWB Fietsverzekering heb je wereldwijde dekking. Meer weten? Lees alles over fietsendragers en je verzekering, of over verzekeringen op fietsvakantie.

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7. Sloten en beveiliging

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Sterke sloten zijn altijd een goed idee. Maar veel verzekeraars stellen ook harde eisen aan de beveiliging die je gebruikt voor je fiets. Meestal is minstens een ART-2 slot verplicht. Voor duurdere fietsen geldt soms ook een tweede-slotverplichting, of heb je een track&trace-systeem nodig. Wordt je fiets gestolen en gebruikte je niet de juiste beveiliging? Dan heb je helaas geen recht op een vergoeding. Controleer daarom altijd je polisvoorwaarden en de sloten die je gebruikt. Dan weet je zeker dat je bij diefstal terecht kunt bij je fietsverzekering.

Extra tip: let goed op je sleutels

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Fietsverzekering afgesloten? Check voordat je eropuit gaat of je alle originele sleutels nog hebt. Zonder de oorspronkelijke sleutels is je verzekering meestal niet geldig.

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Als je een sleutel kwijtraakt, laat dan bij de fabrikant of fietsenmaker een nieuwe sleutel maken. En zorg dat je verzekering ervan op de hoogte is. Met de ANWB Fietsverzekering kun je het verlies van een sleutel eenvoudig doorgeven via Mijn ANWB, of via onze collega’s van Service & Contact.
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ANWB Fietsverzekering afsluiten

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Met de fietsverzekering van de ANWB is je fiets wereldwijd verzekerd tegen diefstal en schade. Je kunt met ieder type fiets bij ons terecht: van elektrische fiets tot stadsfiets, nieuw en tweedehands. Krijg je te maken met schade? Dan zorgen wij voor een snelle schade-afhandeling.

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Snel naar
\nART-keurmerk| Sloten voor je fietsverzekering | Waar koop ik een ART-slot?| Hoe weet ik of ik een ART-slot heb? | Contact

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Stichting ART en het ART-keurmerk

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Stichting ART test, keurt en certifieert alle sloten die in Nederland op de markt komen. Het gaat om alle soorten: ringsloten, kettingsloten, beugelsloten, vouwsloten, schijfremsloten, kabelsloten en insteeksloten (alleen voor de fiets). Sloten met het ART-keurmerk zijn uitgebreid getest op diefstalbestendigheid. Met het ART-keurmerk weet je daarom zeker dat een slot voldoet aan alle eisen en voorwaarden. Je herkent een ART-slot doordat het ART-logo met sterren als sticker of afdruk op het slot staat. Op het logo moet ook het goedkeurnummer zichtbaar zijn.

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ART-sloten zijn ingedeeld in 5 certificerings-categorieën. Hoe meer sterren, hoe veiliger het slot.

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ART-1: 1 ster is minimale beveiliging
ART-2: 2 sterren voor fietsen
ART-3: 3 sterren voor brom- en snorfietsen
ART-4: 4 sterren voor motorfietsen
ART-5: 5 sterren voor motorfietsen

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Welke ART-certificering heb ik nodig?

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Voor veel verzekeringen is het verplicht om een ART-slot te gebruiken. Meestal heb je alleen met een goedgekeurd slot recht op een schadevergoeding bij diefstal. Welk ART-slot je nodig hebt, verschilt per type verzekering. Voor een fiets is een ART-slot met 2 sterren meestal voldoende, terwijl voor een motor minimaal een ART-slot met 4 sterren is vereist. Lees daarom de polisvoorwaarden van je verzekering goed door. Zo weet je precies welke ART-certificering je nodig hebt.

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Heb je een ART-slot gekocht? Bewaar de aankoopbon dan goed. Als je fiets, scooter of motor wordt gestolen, kun je zo aantonen dat deze goed op slot stond. Ook moet je altijd de originele sleutels van het ART-slot kunnen afgeven. Zowel de reservesleutel als de sleutel die gebruikt is en dus duidelijke gebruikerssporen heeft.

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Welk slot heb ik nodig voor mijn fietsverzekering?

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Bij de meeste fietsverzekeringen is het verplicht om een ART-slot met twee sterren te gebruiken (een ART-2 slot of ART**-slot). Bij sommige verzekeringen geldt bovendien een tweede-slotverplichting voor elektrische fietsen of extra waardevolle fietsen.

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Verplichte sloten bij de ANWB Fietsverzekering

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Ook voor de voorwaarden van je ANWB Fietsverzekering heb je minimaal één ART-2 gecertificeerd slot nodig. Wil je een elektrische fiets verzekeren? Dan geldt er een tweede-slotverplichting. Beide sloten moeten ART-2 gecertificeerd zijn. Voor e-bikes met een waarde vanaf € 4.500,- is ook een Kiwa SCM goedgekeurd track&trace-systeem verplicht. Alleen als je voldoet aan deze voorwaarden heb je recht op uitkering na diefstal van jouw fiets.
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\nLet op: Een insteekketting geldt niet als tweede slot.

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Hulp bij het kiezen van jouw fietsslot

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Heb je advies nodig bij het kiezen van een fietsslot? Kettingslot, vouwslot, kabelslot of beugelslot: wij helpen je graag kiezen. En geven direct wat tips mee om je fiets zo veilig mogelijk te stallen.

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Waar koop ik een ART-slot?

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Je kunt ART-sloten op verschillende plekken kopen. Zoals bij je lokale fietsenmaker, een fietsenwinkel of in een van de ANWB Winkels. Of bestel direct een ART-slot via de ANWB Webwinkel.

Hoe weet ik of ik een ART slot heb?

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Op de website van de stichting ART kun je controleren of een slot ART-gecertificeerd is.

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Snel naar
\nWat is de aanschafwaarde van je fiets? | Waar stal je jouw fiets? | Schade betalen | Contact

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1. Wat is de aanschafwaarde van je fiets?

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Een belangrijke vraag om bij stil te staan: wat is de aanschafwaarde van je fiets? Een tweedehands fiets van € 75,- is het verzekeren nou niet echt waard. Maar bij een nieuwe of tweedehands (elektrische) fiets met een hoge aanschafwaarde is het een heel ander verhaal. Zulke dure fietsen zijn de verzekeringspremie vaak waard. Met een fietsverzekering kan je gemakkelijker weer snel een vervangende fiets kopen, als je eigen fiets gestolen wordt.
\n
\nDe laatste jaren zien we dat e-bikes enorm in populariteit zijn gestegen. Elektrische fietsen worden vaker gekocht, maar ze worden ook steeds vaker gestolen. Heb je onlangs een e-bike aangeschaft? Dan kan het verstandig zijn om deze te verzekeren.

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2. Waar stal je jouw fiets?

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De plek waar je jouw fiets stalt bepaalt deels je risico op diefstal of schade. Ben je veel op pad met de fiets en zet je hem bijvoorbeeld vaak neer op openbare plekken? Dan is het zeker verstandig om een fietsverzekering af te sluiten. Ook als je hem thuis wel in een garage of schuur kunt stallen. Winkelgebieden en stations zijn bijvoorbeeld erg populaire plekken onder fietsendieven. En als je in een grote stad woont, loopt je fiets ook meer risico om gestolen te worden. Lees meer over plekken waar je een hogere kans hebt op fietsdiefstal.

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Bepaal voor jezelf hoeveel kans op fietsdiefstal er is op de plekken waar je jouw fiets het vaakst stalt. Kan je hem thuis niet veilig stallen, of parkeer je vaak op het station? Dan is een fietsverzekering met een dekking tegen diefstal een goed idee.

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3. Kan je de schade betalen als je fiets wordt gestolen of beschadigd raakt?

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Ga ook voor jezelf na of je gemakkelijk de schade kunt betalen als je fiets wordt gestolen of beschadigd raakt. Als je niet genoeg geld achter de hand hebt om bij diefstal een nieuwe fiets te kopen, is het verstandig een fietsverzekering met dekking tegen diefstal af te sluiten. En als je niet gemakkelijk de reparatie kan betalen als je fiets beschadigd raakt, is een fietsverzekering met dekking tegen schade aan te raden.

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ANWB Fietsverzekering

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Dekt mijn fietsverzekering diefstal uit de schuur?

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Stond je fiets veilig op slot in de schuur en is deze gestolen? Dan kun je de diefstal claimen op je fietsverzekering. Om aan te tonen dat je fiets op slot stond, moet je bij de ANWB Fietsverzekering een foto van 2 originele fietssleutels opsturen. Bij een andere verzekeraar gelden misschien andere eisen. Zo kan het zijn dat je de aankoopnota en een afschrift van de aangifte bij de politie moet laten zien.

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Pak de polisvoorwaarden van je fietsverzekering erbij om te kijken wat je precies moet doen als je fiets gestolen is. Ook staat hier beschreven welke documenten je moet opsturen en hoeveel je vergoed krijgt. Als je fiets niet op slot stond, kun je proberen de schade vergoed te krijgen via je inboedelverzekeraar.

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Is mijn fiets in de schuur verzekerd onder mijn inboedelverzekering?

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Als je fiets in je woning, schuur of garage staat, hoort hij bij je inboedel. Bij diefstal is je fiets daarom verzekerd bij je inboedelverzekering. De meeste verzekeraars stellen hierbij als voorwaarde dat de ruimte goed op slot zat. Er moeten duidelijke braaksporen aanwezig zijn, zoals schade aan de deur of het raam. Als de ruimte niet op slot zat, krijg je geen vergoeding.

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Bij sommige verzekeraars krijg je alleen een vergoeding als je fiets zelf ook op slot stond. Controleer de polisvoorwaarden om te zien welke regels jouw verzekeraar hanteert.

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Ik heb een fiets- én een inboedelverzekering. Wat nu?

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Heb je zowel een fietsverzekering als inboedelverzekering? Dan moet je officieel in eerste instantie navraag doen bij de verzekering waar je fiets verzekerd is. In de praktijk maak het niet zoveel uit bij welke verzekering je de diefstal meldt. Vaak is het wel verstandiger om de diefstal te claimen op je fietsverzekering. De uitkering kan daar namelijk groter zijn dan die van je inboedelverzekering.

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Fiets gestolen uit de tuin

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Als je fiets uit de tuin of van de oprit wordt gestolen ben je hiervoor alleen verzekerd via je fietsverzekering. Dit valt niet onder de dekking van je inboedelverzekering.

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Fiets gestolen uit gemeenschappelijke ruimte

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Als je in een flat of appartement woont, staat je fiets over het algemeen in een gezamenlijke berging. In het geval van diefstal is je fiets bij de meeste inboedelverzekeraars gedekt als er duidelijk braakschade is aan de berging waar je fiets stond. Dit geldt ook voor diefstal van je fiets uit een aparte kelder- of garagebox. Je kunt voor het claimen van fietsdiefstal uit een gemeenschappelijke ruimte ook bij je fietsverzekering terecht. Het is wel vereist dat je fiets op slot stond.

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Hoe kun je het beste je fiets op slot zetten?

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Om te voldoen aan de voorwaarden van je ANWB Fietsverzekering heb je minimaal één ART-2 gecertificeerd slot nodig. Wil je een e-bike verzekeren? Dan geldt er een tweede-slotverplichting. Beide sloten moeten ART-2 gecertificeerd zijn. Bekijk meer informatie over ART-sloten. Voor e-bikes met een waarde vanaf € 4.500,- is ook een Kiwa SCM goedgekeurd track & trace-systeem verplicht. Alleen als je voldoet aan deze voorwaarden heb je recht op uitkering na diefstal van jouw fiets.
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\nLet op: Een insteekketting geldt niet als tweede slot.

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Oude fiets doneren via het ANWB Kinderfietsenplan

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Staat er nog een oude fiets in je schuur? Veel kinderen in Nederland kunnen heel goed een fiets gebruiken. Bijvoorbeeld om mee naar school te fietsen. Wist je dat minimaal één kind per klas geen eigen fiets heeft? Als je nog een fiets hebt staan, kun je deze doneren aan een kind via het ANWB Kinderfietsenplan. Zo vergroot je de wereld van een kind. Controleer of er een inzamelpunt bij jou in de buurt is.

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ANWB Fietsverzekering afsluiten

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1. Elektrische fietsen populair onder dieven

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E-bikes worden het vaakst als gestolen gemeld bij onze fietsverzekering. Ook fatbikes en (elektrische) bakfietsen lijken een hoge kans te lopen op diefstal. Diefstal van stads- en racefietsen wordt juist minder vaak gemeld. Goed om op te merken: elektrische fietsen worden ook vaker verzekerd dan niet-elektrische fietsen.

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2. Steeds hogere kosten bij een gestolen fiets

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Dure fietsen zie je steeds vaker op de weg. Denk aan snelle e-bikes, spiksplinternieuwe frames of handige snufjes zoals een riemaandrijving in plaats van de metalen fietsketting. Nadeel: hoe duurder de fiets, des te groter de schade als een dief ermee vandoor gaat…

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De afgelopen jaren zien we onder onze verzekerden dat de gemiddelde schade door diefstal flink stijgt. In 2020 lag de gemiddelde schade nog op € 1.507,- per gestolen fiets. Vier jaar later is dat gemiddelde pijlsnel gestegen, naar wel € 2.391,-.

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3. Ruim 86.000 aangiftes in 2024

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In 2024 werden maar liefst 86.220 fietsen als gestolen aangegeven bij de politie. Dat zijn er bijna 10 per uur! En waarschijnlijk ligt het precieze aantal fietsdiefstallen nog hoger. Niet alle gestolen fietsen worden namelijk aangegeven. Jammer, maar misschien ook niet zo vreemd. Van de 86.220 aangiftes in 2024 werden er zo’n 2.000 opgehelderd – ongeveer 2,5%.

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Help diefstal voorkomen, doe aangifte

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Het is altijd waardevol om aangifte te doen van fietsdiefstal. Ook als je jouw oude fiets er niet direct mee terugkrijgt. Aangiftes helpen namelijk om inzicht te krijgen in de werkwijze van fietsendieven. Bijvoorbeeld waar ze het vaakst toeslaan, wanneer, en welk type beveiliging het moeilijkst te kraken is. Zo help je met jouw aangifte mee om nieuwe diefstallen te voorkomen. Lees precies wat jij kunt doen als je fiets gestolen is.

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4. Meeste fietsen gestolen in de Randstad

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Waarschijnlijk allang geen verrassing meer, maar de grootste hotspot voor fietsdiefstallen blijft… de Randstad. En dan met name de Randstad-steden.

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Dit zijn de top 3 steden voor aangiftes van fietsdiefstal in 2024:

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Amsterdam: 10.810 (12,5% van het totale aantal aangiftes)
Den Haag: 4.760
Rotterdam: 4.705

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En de top 3 provincies:

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Noord-Holland: 19.415
Zuid-Holland: 19.325
Noord-Brabant: 12.835

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De meest veilige gemeentes voor fietsliefhebbers zijn de gemeente Schiermonnikoog en Renswoude, in de Gelderse Vallei. Hier werd in heel 2024 geen enkele gestolen fiets aangegeven.

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5. Meeste gestolen fietsen per inwoner in studentensteden

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Toegegeven: het is niet zo vreemd dat Amsterdam, Den Haag en Rotterdam bovenaan de lijstjes uitkomen. Deze steden hebben uiteindelijk de meeste inwoners van Nederland, en dus de meeste fietsen. En mede daarom ook de meeste gestolen fietsen. Maar in welke steden werd dan relatief gezien het meest gestolen? Dit blijken vooral studentensteden te zijn.

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Dit is de top 5 steden met meeste aangiftes van fietsdiefstal per 1000 inwoners in 2024:

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Nijmegen: 12,3
Delft: 12,2
Amsterdam: 11,8
Groningen: 11,7
Eindhoven: 10,9

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Bescherm je fiets tegen diefstal

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Diefstal blijft een groot probleem, en helemaal voorkomen dat je fiets verdwijnt is erg lastig. Maar je kunt er wel op letten waar je je fiets parkeert. Of welke beveiliging je gebruikt.

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Risicovolle gebieden

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Stationsgebieden, maar ook uitgaans- en winkelgebieden zijn typisch plekken waar fietsendieven vaak toeslaan. Hier worden fietsen vaak maar kort gestald, en het zijn plekken waar veel mensen haast hebben. Daardoor staan fietsen hier vaak minder goed vastgezet. Let er altijd op dat je fiets goed vaststaat, ook als je parkeert bij de supermarkt of als je de trein gaat pakken.

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Veel fietsen worden trouwens ook gestolen uit de voortuin. Heb je thuis een schuur of garage? Dan is het altijd het beste om je fiets hierin te parkeren. In sommige gemeentes kun je ook een abonnement afsluiten voor een fietsentrommel op straat. Hierin kun je je fiets veilig stallen in de buurt van je huis.

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Onze vuistregels om je fiets te stallen

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Gebruik een tweede slot, en kies voor ART-sloten.
Doe het slot door je wiel en frame.
Bevestig je fiets aan een vast object.

ANWB Fietsverzekering

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Met de ANWB Fietsverzekering ga je zonder zorgen op weg. Met een uitgebreide dekking tegen diefstal, ook voor de accu van je elektrische fiets. De meest gekozen fietsverzekering van Nederland, met een 9 gewaardeerd door klanten.

Waar worden de meeste fietsen gestolen en welke merken zijn het populairst onder fietsendieven? Kom er alles over te weten.

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Snel naar
\nHoe is de accu van een nieuwe e-bike verzekerd? | Hoe is de accu van een tweedehands e-bike verzekerd? | Vergoedingen | Contact

"},"document":null,"contentType":"anwb:richtext"},{"name":"anwb:cbitems","displayName":"anwb:cbitems","anchorpoint":"nieuw","stickySubNavTitleShort":"","contentType":"anwb:anchorpoint"},{"name":"anwb:cbitems","displayName":"anwb:cbitems","crosslinktype":"primary","html":{"contentType":"hippostd:html","value":"

Hoe is de accu van een nieuwe e-bike verzekerd?

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Stel: bij het afsluiten van je ANWB Fietsverzekering was jouw e-bike, en dus ook de accu, nieuw. Je maakt een vervelende val met je nieuwe e-bike en de accu raakt beschadigd. Als de accu gerepareerd of vervangen moet worden, keert de verzekering uit. Je eigen risico is dan € 50,-.

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Ook als de accu van jouw e-bike wordt gestolen, keert de ANWB Fietsverzekering een vergoeding uit. Hieronder lees je meer over de vergoeding.

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Hoe is de accu van een tweedehands e-bike verzekerd?

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Stel: je sluit een ANWB Fietsverzekering af voor een tweedehands e-bike met een refurbished accu. Tijdens het fietsen op je e-bike val je, en de accu raakt beschadigd. Of je parkeert je fiets ergens en de accu wordt gestolen. De accu van jouw e-bike is dan verzekerd. Je eigen risico is € 50,-.
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\nLet op: De ANWB Fietsverzekering keert alleen uit als je een nieuwe of refurbished accu hebt. Heeft jouw e-bike een tweedehands accu? Dan is deze niet verzekerd.

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Hoeveel vergoedt de ANWB Fietsverzekering en wat is je eigen risico?

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Bij beschadiging of diefstal van de accu vergoeden wij 3 jaar lang het aankoopbedrag van een nieuwe of refurbished accu van dezelfde soort en kwaliteit. Wij rekenen vanaf de aankoop- of taxatiedatum van de fiets.

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Hoe kun je het beste je fiets op slot zetten?

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Verzekeraars willen natuurlijk het risico op diefstal zo klein mogelijk houden. Om te voldoen aan de voorwaarden van je ANWB Fietsverzekering heb je minimaal één ART-2 gecertificeerd slot nodig. Wil je een e-bike verzekeren? Dan geldt er een tweede-slotverplichting. Beide sloten moeten ART-2 gecertificeerd zijn. Bekijk meer informatie over ART-sloten. Voor e-bikes met een waarde vanaf € 4.500,- is ook een Kiwa SCM goedgekeurd track&trace-systeem verplicht. Alleen als je voldoet aan deze voorwaarden heb je recht op uitkering na diefstal van jouw fiets.
\nLet op: Een insteekketting geldt niet als tweede slot.

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Parkeer op veilige plekken

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Hoe je je fiets vastzet is belangrijk, maar wáár maakt ook veel verschil. Rondom stations kan je je fiets het beste parkeren in een (bewaakte) stalling. Hier staat je fiets een stuk veiliger dan op straat. Ook in winkelgebieden, stadscentra en rondom winkelcentra vind je steeds vaker speciale fietsstallingen. Blijf rond dit soort plekken alert op diefstal, en zet je fiets goed op slot. Ook al zet je je fiets maar een kwartiertje ergens neer. Lees meer over fietsdiefstal-hotspots.

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Pas op je accessoires

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Ook als je fiets zelf goed op slot staat, kunnen dieven bijvoorbeeld losse onderdelen of accessoires stelen. Haal losse accessoires daarom altijd van je fiets af wanneer je deze parkeert. Denk aan accu's, fietstassen en navigatie-displays.

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Snel naar
\nFietsverzekering overnemen | Fietsverzekering overzetten | Fietsverzekering overdragen | Kinderfietsenplan | Contact

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Kan de nieuwe eigenaar mijn fietsverzekering overnemen?

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Wil je jouw fiets inclusief verzekering overdragen aan iemand anders? Of dit mogelijk is, verschilt per verzekeraar. Bij enkele verzekeraars kan de nieuwe eigenaar inderdaad jouw verzekering overnemen. Bij de meeste maatschappijen is het niet mogelijk je verzekering over te dragen aan iemand anders. Natuurlijk kan de nieuwe eigenaar zelf een eigen fietsverzekering afsluiten op zijn/haar naam.

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Wil je weten wat je opties zijn? Vraag dit na bij je eigen verzekeraar of controleer de polisvoorwaarden of het mogelijk is jouw lopende verzekering op een andere naam te zetten.

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Heb je een fiets overgenomen van een familielid of kennis? Ook dan moet je in de meeste gevallen zelf een verzekering afsluiten en kun je de bestaande verzekering niet overnemen.

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Je ANWB Fietsverzekering overzetten naar een nieuwe/andere fiets

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Bij de ANWB kun jouw ANWB Fietsverzekering overzetten. We passen je verzekering en je premie aan op je nieuwe fiets. Neem contact op met het Leden Service Center via 088-269 2222.

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Je ANWB Fietsverzekering overdragen aan iemand anders

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Het is niet mogelijk jouw ANWB Fietsverzekering over te dragen aan iemand anders. De nieuwe eigenaar kan een fietsverzekering op eigen naam afsluiten.

Wat doe je met je oude fiets?

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Heb je nog geen bestemming voor je oude fiets? Geef hem dan een tweede leven. Doneer je gebruikte fiets aan het Kinderfietsenplan zodat ieder kind veilig op de fiets naar school toe kan. Controleer of er een inzamelpunt bij jou in de buurt is.

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Is schade aan je fiets op een fietsendrager verzekerd?

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Of schade aan je fiets wordt vergoed, hangt af van wie de schade heeft veroorzaakt. Als iemand tegen jouw auto aanrijdt en daarbij jouw fiets beschadigt, dan is diegene aansprakelijk voor de kosten. De verzekeraar van de ander zal de schade aan jouw fiets vergoeden.

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Is de schade jouw eigen schuld, doordat je bijvoorbeeld een lantaarnpaal of muurtje hebt geraakt? Dan valt de schade niet onder de dekking van je autoverzekering, zelfs niet met een all risk verzekering. Alleen met een fietsverzekering ben je verzekerd voor schade aan je fiets die je zelf hebt veroorzaakt. Daarom kan je het beste een fietsverzekering afsluiten als je op reis gaat met je fiets. Je weet dan zeker dat je fiets goed verzekerd is achter op de auto – ook als je de schade zelf veroorzaakt.

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Is schade aan je fietsendrager verzekerd?

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Ook bij schade aan je fietsendrager maakt het uit wie de schade heeft veroorzaakt. Is er iemand tegen je auto aangereden, en is je fietsendrager beschadigd? Dan kan je de ander aansprakelijk stellen voor de kosten. Zijn verzekeraar zal de kosten vergoeden.

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Schade die je zelf hebt veroorzaakt wordt niet altijd vergoed. Een fietsendrager zit meestal niet op je auto als je hem koopt van de fabrikant. Daarom wordt een fietsendrager gezien als een accessoire bij je auto. Het hangt van jouw verzekering en dekkingen af of accessoires zijn meeverzekerd.

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Dekking voor accessoires bij de ANWB Autoverzekering

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Soms zijn accessoires standaard meeverzekerd bij je autoverzekering. Heb je bijvoorbeeld een ANWB Autoverzekering met WA+ Beperkt Casco of met WA+ Volledig Casco (all risk) dekking? Dan wordt diefstal en schade aan accessoires vergoed tot maximaal € 2500,-. Met de dekking WA zijn jouw accessoires niet meeverzekerd. Wil je jouw accessoires extra verzekeren? Dan kan je ook kiezen voor de aanvullende dekking voor accessoires.

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Ga je de weg op met een bagagedrager of met andere auto-accessoires? Bekijk dan de polis en voorwaarden van jouw verzekering om te zien of je accessoires zijn meeverzekerd.

"},"document":null,"contentType":"anwb:richtext"},{"name":"anwb:cbitems","displayName":"anwb:cbitems","anchorpoint":"fiets-gestolen","stickySubNavTitleShort":"","contentType":"anwb:anchorpoint"},{"name":"anwb:cbitems","displayName":"anwb:cbitems","crosslinktype":"primary","html":{"contentType":"hippostd:html","value":"

Mijn fiets is gestolen van de fietsendrager, is dit verzekerd?

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Een fiets is niet meeverzekerd op je autoverzekering, ook niet als je een accessoiredekking hebt afgesloten. Om je fiets te verzekeren tegen diefstal kan je het beste een fietsverzekering afsluiten. Zo ben je altijd goed verzekerd tegen diefstal, ook als je fiets op een bagagedrager zit.

\n\n

Dekking voor je fiets met een reisverzekering

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Let op: ga je op reis met jouw fiets en heb je een reisverzekering? In sommige gevallen valt je fiets onder je reisverzekering. Bij de ANWB Reisverzekering met aanvullende dekking bagage is je fiets bijvoorbeeld meeverzekerd voor diefstal en schade. Afhankelijk van je dekking hoort hierbij wel een maximumvergoeding van € 300,- of € 1.100,-. Bekijk jouw polis om te zien voor welk bedrag jij verzekerd bent, en zet dit af tegen de waarde van jouw fiets. Zo weet je of jij goed verzekerd bent bij diefstal.

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Mijn fietsendrager is gestolen, is dit verzekerd?

\n\n

Als je fietsendrager gestolen wordt, kan je de schade vaak claimen op je autoverzekering. Ook hier geldt weer: het hangt van jouw dekking af of je fietsendrager is meeverzekerd, en hoeveel er wordt vergoed. Bekijk je polis en de voorwaarden van jouw autoverzekering om te weten of jouw fietsdrager verzekerd is bij diefstal. Lees meer over de aanvullende dekking accessoires bij de ANWB Autoverzekering.

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Op reis met een fietsendrager: onze tips tegen schade

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Het liefst voorkom je schade en diefstal natuurlijk helemaal. Daarom geven we je nog wat tips voor het reizen met een fietsendrager.

\n\n

Parkeren? Haal je fietsendrager eraf

\n\n

Als je jouw auto ergens parkeert, haal dan de fietsendrager van de auto en leg hem in de kofferbak. Bij een korte stop bij het tankstation heb je hier misschien geen tijd voor. Maar doe dit vooral wel als je jouw auto achterlaat voor een rondje fietsen, of op de parkeerplaats van je hotel.

\n\n

Fiets op slot, ook achterop

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Zet je fietsen altijd op slot, ook als ze op de fietsendrager zitten.

\n\n

Zorg dat je fietsen en drager goed vast zitten

\n\n

Let erop dat je de fietsendrager op de juiste manier monteert, én dat je jouw fietsen er goed op zet. Lees meer over hoe je een fietsendrager monteert en er fietsen op plaatst.

1. Met één slot staat mijn fiets goed vast, ik heb geen extra slot nodig

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Ook als je fiets op slot staat kan een dief hem meenemen. Een extra slot is daarom altijd aan te raden. Maak je fiets hiermee vast aan bijvoorbeeld een fietsenrek. En let op dat je een goedgekeurd ART-slot gebruikt.

\n\n

Om te voldoen aan de voorwaarden van je ANWB Fietsverzekering heb je minimaal één ART-2 gecertificeerd slot nodig. Wil je een e-bike verzekeren? Dan geldt er een tweede-slotverplichting. Beide sloten moeten ART-2 gecertificeerd zijn. Let op: Een insteekketting geldt hier niet als tweede slot. Bekijk meer informatie over ART-sloten. Voor e-bikes met een waarde vanaf € 4.500,- is bovendien een Kiwa SCM goedgekeurd track & trace-systeem verplicht. Alleen als je voldoet aan deze voorwaarden heb je recht op uitkering na diefstal van jouw fiets.

"},"document":null,"contentType":"anwb:richtext"},{"name":"anwb:cbitems","displayName":"anwb:cbitems","crosslinktype":"primary","html":{"contentType":"hippostd:html","value":"

2. Met een ring- of kettingslot op mijn fiets heb ik geen diefstaldekking meer nodig

\n\n

Ook als je fiets vaststaat met een ring- of kettingslot loop je kans dat je fiets wordt gestolen. Met een dekking tegen diefstal bij je fietsverzekering heb je recht op een vergoeding als een dief er met jouw fiets vandoor gaat. Hoe hoog die vergoeding is, hangt af van jouw verzekeraar. Ook de hoogte van het eigen risico verschilt per verzekeraar.

\n\n

Bij de ANWB Fietsverzekering krijg je de eerste 3 jaar het aankoopbedrag van jouw fiets vergoed. Je eigen risico bij diefstal is 5% van het verzekerd bedrag. Wil je je fiets verzekeren tegen diefstal? Kies dan bij het afsluiten van je ANWB Fietsverzekering voor de dekking diefstal.

"},"document":null,"contentType":"anwb:richtext"},{"name":"anwb:cbitems","displayName":"anwb:cbitems","crosslinktype":"primary","html":{"contentType":"hippostd:html","value":"

3. Ik zet mijn fiets altijd op slot met een extra slot, dus ik heb geen fietsverzekering nodig

\n\n

Met een extra slot maak je de kans dat je fiets wordt gestolen een stuk kleiner. Maar ook met een tweede slot kan een dief je fiets helaas nog stelen. Daarom kan het toch handig zijn om je fiets te verzekeren.

\n\n

Bij de ANWB Fietsverzekering kun je kiezen voor een dekking diefstal, dekking schade of voor een combinatie. Met de dekking tegen diefstal kun je gemakkelijker weer een nieuwe fiets kopen, wanneer jouw eigen fiets gestolen wordt. En met de dekking tegen schade ben je ook verzekerd voor de schade die ontstaat als een dief tevergeefs probeert om je fiets te stelen. Bijvoorbeeld schade aan de sloten, of aan het wiel.

"},"document":null,"contentType":"anwb:richtext"},{"name":"anwb:cbitems","displayName":"anwb:cbitems","crosslinktype":"primary","html":{"contentType":"hippostd:html","value":"

4. Mijn fiets is gestolen uit de schuur, maar ik heb geen fietsverzekering. De schade wordt dus niet gedekt

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Dit klopt niet altijd. Ook als je geen fietsverzekering hebt, is je fiets soms meeverzekerd op een inboedelverzekering. Bijvoorbeeld als hij uit je schuur is gestolen. Lees meer over fietsdiefstal uit je schuur of garage.

"},"document":null,"contentType":"anwb:richtext"},{"name":"anwb:cbitems","displayName":"anwb:cbitems","crosslinktype":"primary","html":{"contentType":"hippostd:html","value":"

5. Als de accu van mijn e-bike het niet meer doet, kan ik terugvallen op de verzekering

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Met de dekking schade bij je ANWB Fietsverzekering ben je verzekerd als de accu beschadigd raakt door bijvoorbeeld het omvallen van de fiets. Maar als de accu kapot gaat zonder een oorzaak van buitenaf, kun je dit niet claimen op je verzekering. Het is dan verstandig om te controleren of er nog garantie op je e-bike zit of dat je een beroep kunt doen op je wettelijke rechten bij non-conformiteit.

\n\n

Lees meer over je verzekering en de accu van je e-bike.

"},"document":null,"contentType":"anwb:richtext"}],"aside":[{"$ref":"/page/u6f14523af6f64502abb4067aa0251c91"}],"collectioncontentdocument":null,"seocontent":{"contentType":"hippostd:html","value":""},"usePortalContext":false,"content":"Met het afsluiten van een fietsverzekering denk je misschien dat je niet meer naar jouw fiets hoeft om te kijken, maar er bestaan meerdere misverstanden. Wij geven duidelijkheid over de vijf grootste misverstanden rondom fietsverzekeringen.","header":null,"title":"De 5 grootste misverstanden over fietsverzekeringen","localeString":"nl","contentType":"anwb:artikeldocument","teaserPortrait":{"name":"","displayName":"anwb:teaserportrait","subTitle":"","usps":[],"useDocumentDescription":false,"bullets":[],"image":null,"links":[],"icon":null,"description":"","videoThumbnail":"","contentType":"anwb:teaser","videoId":null,"bynderVideo":null,"documentType":"anwb:teaser"},"documentType":"anwb:artikeldocument","id":"1f07306a-5ca0-4fd8-8b8d-3865b693ac69"}},"uaa0ca0ef4f724974a04f6ded72d704a8":{"type":"document","links":{"site":{"type":"unknown"}},"meta":{},"data":{"name":"direct-naar---schade--service","displayName":"Direct naar - Schade & Service","cta":[],"subTitle":"","titleLink":"","usps":[],"videoId":"","ctas":[],"sticker":null,"bullets":[],"image":null,"links":[{"name":"anwb:links","displayName":"anwb:links","subtext":"","internallink":{"$ref":"/page/u01464e7560434898b4490bf19733bf1f"},"externallink":"","icon":null,"text":"Schade melden","contentType":"anwb:linkpicker","visuallyHidden":"","documentType":"anwb:linkpicker"},{"name":"anwb:links","displayName":"anwb:links","subtext":"","internallink":{"$ref":"/page/u5d52f19b94e247c2baf31cf446a01607"},"externallink":"","icon":null,"text":"Mijn verzekeringen","contentType":"anwb:linkpicker","visuallyHidden":"","documentType":"anwb:linkpicker"},{"name":"anwb:links","displayName":"anwb:links","subtext":"","internallink":{"$ref":"/page/uf891c077b85040b8853bdc075d712919"},"externallink":"","icon":null,"text":"Verzekering wijzigen","contentType":"anwb:linkpicker","visuallyHidden":"","documentType":"anwb:linkpicker"},{"name":"anwb:links","displayName":"anwb:links","subtext":"","internallink":{"$ref":"/page/ue810ca7dc84d4e8d989223b101eb5a90"},"externallink":"","icon":null,"text":"Overstappen naar ANWB","contentType":"anwb:linkpicker","visuallyHidden":"","documentType":"anwb:linkpicker"}],"icon":null,"content":{"contentType":"hippostd:html","value":""},"title":"Direct naar","localeString":"nl","contentType":"anwb:externlinkdocument","documentType":"anwb:externlinkdocument","id":"aa0ca0ef-4f72-4974-a04f-6ded72d704a8"}},"u2931694770e7432487d468028008cdc8":{"type":"document","links":{"site":{"type":"unknown"}},"meta":{},"data":{"name":"algemeen---contactblok","displayName":"Algemeen - Contactblok","cta":[{"name":"anwb:cta","displayName":"anwb:cta","buttontype":"tertiary","buttoniconposition":null,"linkpicker":{"name":"anwb:linkpicker","displayName":"anwb:linkpicker","subtext":"Alle contactmogelijkheden","internallink":null,"externallink":"/service-en-contact/categorie/verzekeringen","icon":null,"text":"Alle contactmogelijkheden","contentType":"anwb:linkpicker","visuallyHidden":"om ANWB Verzekeren te bereiken.","documentType":"anwb:linkpicker"},"contentType":"anwb:button","documentType":"anwb:button"}],"subTitle":"","titleLink":"","usps":[],"videoId":"","ctas":[{"name":"anwb:cta","displayName":"anwb:cta","buttontype":"tertiary","buttoniconposition":null,"linkpicker":{"name":"anwb:linkpicker","displayName":"anwb:linkpicker","subtext":"Alle contactmogelijkheden","internallink":null,"externallink":"/service-en-contact/categorie/verzekeringen","icon":null,"text":"Alle contactmogelijkheden","contentType":"anwb:linkpicker","visuallyHidden":"om ANWB Verzekeren te bereiken.","documentType":"anwb:linkpicker"},"contentType":"anwb:button","documentType":"anwb:button"}],"sticker":null,"bullets":[],"image":null,"links":[],"icon":null,"content":{"contentType":"hippostd:html","value":"

Nog niet gevonden wat je zoekt? Neem contact op met een van onze collega’s. Via onderstaande link vind je alle contact gegevens voor verzekeren.

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Snel naar
\nZo werkt schade melden | Ook interessant | Contact

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Waar je ook bent, wij gaan direct voor je aan de slag.","header":null,"title":"Schade melden bij ANWB","localeString":"nl","contentType":"anwb:artikeldocument","teaserPortrait":{"name":"","displayName":"anwb:teaserportrait","subTitle":"","usps":[],"useDocumentDescription":false,"bullets":[],"image":null,"links":[],"icon":null,"description":"","videoThumbnail":"","contentType":"anwb:teaser","videoId":null,"bynderVideo":null,"documentType":"anwb:teaser"},"documentType":"anwb:artikeldocument","id":"01464e75-6043-4898-b449-0bf19733bf1f"}},"u5d52f19b94e247c2baf31cf446a01607":{"type":"document","links":{"site":{"href":"https://site-production.anwb.bloomreach.cloud/mijn-anwb/mijn-producten/verzekeringen","type":"external"}},"meta":{},"data":{"name":"index","displayName":"Index","authenticated":false,"teaserportrait":{"name":"","displayName":"anwb:teaserportrait","subTitle":"","usps":[],"useDocumentDescription":null,"bullets":[],"image":null,"links":[],"icon":null,"description":"","videoThumbnail":"","contentType":"anwb:teaser","videoId":null,"bynderVideo":null,"documentType":"anwb:teaser"},"search":{"name":"anwb:search","displayName":"anwb:search","seotitle":"","seodescription":"","excludefromsearchindex":false,"canonical":"","contentType":"anwb:search","documentType":"anwb:search"},"teaser":{"name":"Verzekeringsoverzicht","displayName":"anwb:teaser","subTitle":"","usps":[],"useDocumentDescription":true,"bullets":[],"image":null,"links":[],"icon":null,"description":"Overzicht van mijn verzekeringen","videoThumbnail":"","contentType":"anwb:teaser","videoId":null,"bynderVideo":null,"documentType":"anwb:teaser"},"social":{"name":"anwb:social","displayName":"anwb:social","socialTitle":"","socialDescription":"","contentType":"anwb:social"},"collectionproductsdocument":null,"subTitle":"","stickysubnavigation":false,"cbitems":[{"name":"anwb:cbitems","displayName":"anwb:cbitems","fullwidth":true,"applicationdocument":{"uuid":"587a0fef-e627-43ce-b0d0-19a728720a9a"},"contentType":"anwb:application"}],"aside":[],"collectioncontentdocument":null,"seocontent":{"contentType":"hippostd:html","value":""},"usePortalContext":false,"content":"","header":null,"title":"Verzekeringsoverzicht","localeString":"nl","contentType":"anwb:artikeldocument","teaserPortrait":{"name":"","displayName":"anwb:teaserportrait","subTitle":"","usps":[],"useDocumentDescription":null,"bullets":[],"image":null,"links":[],"icon":null,"description":"","videoThumbnail":"","contentType":"anwb:teaser","videoId":null,"bynderVideo":null,"documentType":"anwb:teaser"},"documentType":"anwb:artikeldocument","id":"5d52f19b-94e2-47c2-baf3-1cf446a01607"}},"uf891c077b85040b8853bdc075d712919":{"type":"document","links":{"site":{"href":"/service/wijzigen","type":"internal"}},"meta":{},"data":{"name":"wijzigen","displayName":"Wijzigen","authenticated":false,"teaserportrait":{"name":"","displayName":"anwb:teaserportrait","subTitle":"","usps":[],"useDocumentDescription":null,"bullets":[],"image":null,"links":[],"icon":null,"description":"","videoThumbnail":"","contentType":"anwb:teaser","videoId":null,"bynderVideo":null,"documentType":"anwb:teaser"},"search":{"name":"anwb:search","displayName":"anwb:search","seotitle":"Verzekering wijzigen: zo werkt het | ANWB","seodescription":"Online je verzekering wijzigen: ✓ Wanneer het jou uit komt ✓ Geen wachtrij ✓ Direct geregeld","excludefromsearchindex":false,"canonical":"","contentType":"anwb:search","documentType":"anwb:search"},"teaser":{"name":"Verzekering wijzigen","displayName":"anwb:teaser","subTitle":"","usps":[],"useDocumentDescription":true,"bullets":[],"image":null,"links":[],"icon":null,"description":"Je verzekering wijzigen? 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Snel naar
\nKun je een verzekering opzeggen? | Hoe moet je een verzekering opzeggen? | ANWB verzekering afsluiten | Veelgestelde vragen | Contact

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Kun je zomaar een verzekering opzeggen?

\n\n

Bij bijna alle verzekeraars kun je een verzekering dagelijks opzeggen zonder opzegtermijn. Voor sommige verzekeringen geldt een looptijd van één jaar. Dit betekent dat je eerst een heel jaar verzekerd moet zijn voordat je kunt opzeggen. Na dit jaar zijn ook deze verzekeringen vaak dagelijks opzegbaar. Controleer de polisvoorwaarden van je verzekering voor de juiste opzegtermijn.

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Hoe moet je een verzekering opzeggen?

\n\n

Er zijn twee manieren om je overstap gemakkelijk zelf te regelen.
\nDit kun je doen door:

\n\n

in te loggen op de website van jouw huidige verzekeraar om je opzegging door te geven. Je weet dan zeker dat het direct geregeld is.
je huidige verzekering schriftelijk op te zeggen. Met onze kant-en-klare opzegbrief is dit snel geregeld. Download de brief, vul jouw persoonlijke gegevens in en stuur de opzegging per post of e-mail naar de verzekeraar. Vergeet niet om de brief te ondertekenen.

\n\n

Let op: Houd in de gaten of de opzegging goed verwerkt wordt. Vaak ontvang je binnen 3 weken een bevestiging.

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Wil je een ANWB verzekering afsluiten?

\n\n

Met een verzekering van ANWB ben je verzekerd van de beste hulp. Thuis, onderweg en op vakantie. Want in welke situatie je ook zit, je staat er nooit alleen voor.
\nKies de juiste startdatum voor je ANWB verzekering. Zorg dat de einddatum van je oude verzekering dezelfde dag is als de startdatum van je nieuwe verzekering. Zo voorkom je dat je dubbel verzekerd bent en twee keer premie moet betalen.

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Nog niet gevonden wat je zoekt? Neem contact op met een van onze collega’s. Via onderstaande link vind je alle contact gegevens voor verzekeren.

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