In partnership with the ANWB, Mantel offers a continuous bike insurance policy at a fixed, low monthly rate. The premium is determined according to the type of bike, the recommended price and the cover chosen. It is possible to choose between 2 basic covers and 3 additional covers. The policyholder chooses at least one basic cover and any additional covers. The covers available may vary according to the type of bike and can be found in the cart after the bike has been selected.

You can insure your bike immediately upon purchase, either online or in-store. Online, choose your desired cover in your cart before placing your order. In store, one of our staff will be happy to help you.

Benefits of ANWB bike insurance via Mantel

• Can be cancelled daily
• Low own ricsk
• Automatic renewal
• In case of total loss, Mantel will help you to get a new bike

Basic cover (minimum 1 required)

Theft
If your bike is stolen, you will receive a full refund of the purchase value during the first 3 years. From the fourth year, there is a depreciation in value, which you can find in the terms and conditions. Any damage caused during the theft will also be reimbursed. A deductible of 5% of the purchase value applies in case of theft of the bike. In case of theft of accessories or parts (including battery), a deductible of €50 applies.

Damage
If your bike, its parts or accessories (including battery) is damaged, for example by a collision or fall, the damage will be reimbursed. A €50 deductible applies per case.

Additional cover (optional, availability varies)

Breakdown assistance
In case of a breakdown on the road, you will be helped in the Netherlands. And with an (emergency) repair, you will be on your way again quickly. If a repair en route is not possible, you and your bike will be taken to a cycling specialist or home. The material costs of (emergency) repairs on site will be for your own account.

Accidents
With the additional accident cover, you are assured of a payment to yourself or your next of kin if you become permanently disabled or die as a result of an accident with your bike. In case of death, €5,000 is paid out and in case of permanent disability a maximum of €10,000.

Legal Assistance
With the additional cover for recourse legal assistance, you secure expert legal help in recovering (personal injury) damages you suffered due to a traffic accident in which you were involved by bike.

Upon renewal, the following changes apply:

• The deductible for theft changes to 5% of the insured amount
• The increase in the deductible for theft of parts or damage (including total loss) from €25 to €50

Upon renewal, the following do not change:

• the second lock obligation does not apply
• the five-year new value coverage remains in effect.

Renewal of ANWB Bike Insurance taken out before 1-3-2023

The aforementioned changes are not implemented for older policy types (old Doorlopende Fietsverzekering, Aflopende Fietsverzekering and Blijven Fietsenverzekering) .

Even if you have already bought a bike, you can still take out bike insurance with us up to a year after purchase. After that, the bike must first be appraised to determine its value.

Insurance after purchase

Your bike will be insured at the purchase value of the bike. If you bought the bike more than 1 year ago, you can only take out bike insurance with a valuation report, our workshop can help you with that. In the conditions you will find which compensation you are entitled to.

Report the damage (from theft), with a description, to us within 8 days by contacting customer service or visiting one of our stores. The report must be accompanied by a copy of the police report and clear photos of the original bike keys. Photograph the front and back of both bike keys from the lock. If the insurance is taken out after 1 March 2024, a second lock requirement applies to all e-bikes; it must be ART-2 approved. You will have to lock your bike with 2 locks. A plug-in chain does not count as a second lock, it really has to be a separate (chain) lock. Keep the keys for at least 3 months after the report. If the photos are not clear enough, we will ask you to send the keys. You will bear the cost and risk of sending the keys.

We will ensure that the claim is submitted to the insurer. When we have a response from the insurer, we will notify you immediately. This takes a maximum of 10 working days.

If the claim is accepted you can choose a new bike at Mantel for the same purchase amount as your stolen bike.

Can I get the insured amount paid into my account?

No, this is not possible in case of theft. ANWB bike insurance through Mantel is insurance in kind for the first 5 years. This means that you can choose an equivalent bike of the same value as the stolen bike from Mantel. This is the insured value of the bike at the time of purchase.

If you have opted for claims cover, we can file a claim with the insurer. This requires a clear description of the cause of the damage and an appraisal. The appraisal can be carried out at one of our stores, the cost of which will be waived if you decide to carry out the repair. It is also possible to request an appraisal at a local bike store. With this information, we can forward the damage report to the insurer on your behalf.

If the claim is awarded and the claim amount determined, it will be settled by the insurer within two weeks. All that is then required for a repaired bike is an appointment at our workshop.

Contact our customer service team and they will help you adjust or cancel your insurance.