---
title: "Univé bike insurance | Cover, premium and claims | BIKEBAZE"
description: "Everything about Univé bike insurance: cover, premium, lock requirements and claim procedure. Deductible from EUR 50. Free bike registration via BIKEBAZE…"
canonical: "https://www.bikebaze.nl/en/fiets-verzekeren-bij/unive"
---

# Insuring your bike with Univé? Don't forget to register it!

Insuring your bike at Univé is smart, but don't forget to also put it in your name in our database. In case of theft, this increases your chances of getting it back, and with a SafeTag, you reduce the chance of theft by 98%!

[Register your bike now for free!](https://www.bikebaze.nl/bikevault/free-bike-registration)

## With a BIKEBAZE® SafeTag, you reduce the risk of theft by 98%.

[Order the SafeTag](https://www.bikebaze.nl/en/shop)

-   Free shipping
-   No subscription costs

### [SafeTag Original](https://www.bikebaze.nl/en/safetag-producten/safetag-original)

€9.99

[Order now](https://www.bikebaze.nl/en/safetag-producten/safetag-original)

### [SafeTag Red](https://www.bikebaze.nl/en/safetag-producten/safetag-red)

€9.99

[Order now](https://www.bikebaze.nl/en/safetag-producten/safetag-red)

### [SafeTag Grey](https://www.bikebaze.nl/en/safetag-producten/safetag-grijs)

€9.99

[Order now](https://www.bikebaze.nl/en/safetag-producten/safetag-grijs)

## Registration sounds boring, but it can save your bike

Small step now, big difference later

### Greater chance of finding

Registered bicycles are returned to their owners far more often – with a knowledge database it is immediately clear who the owner is.

### Recovering in the event of batch theft

Stolen e-bikes or batteries are sometimes recovered in large batches. Thanks to your registration, authorities or finders can quickly contact you.

### Credible proof of ownership

A registered frame number linked to your name is gold to prove ownership.

### Visible prevention

An eye-catching SafeTag showing the bike is registered deters thieves – without that visibility, your bike stays an anonymous target.

[Register your bike for FREE](https://www.bikebaze.nl/en/bikevault/free-bike-registration)

## What is BIKEBAZE®?

### Registration

Your bike linked to your name in an accessible database using your unique frame number.

### Prevention

A sticker that is extremely difficult to remove. A deterrent for thieves. The risk of theft is 9x smaller.

### Community

Collective strength in the fight against bicycle theft. Join the movement.

[Discover all our features](https://www.bikebaze.nl/en/features)

## BIKEBAZE is the #1 Bike Registration Platform.

Internationally active.

## Getting started with  
BIKEBAZE®

Start with BIKEBAZE® for instant peace of mind: in 3 easy steps – **within 5 minutes** – your bike is securely registered by name.

01

### Register your bike

Register your bike in your name with the unique frame number. **Your bike is now officially linked to you.**

[Register for free](https://www.bikebaze.nl/en/bikevault/free-bike-registration)

02

### Attach SafeTag

Stick the sticker clearly on your bike.  
Is your bike found or suspected? Then people can scan the Tag to see if it is stolen.

[Order a SafeTag NOW](https://www.bikebaze.nl/en/shop)

03

### Ride with peace of mind

The risk of theft has now been reduced by 98%.  
Will your bike be stolen anyway? Report it directly to your account.  
**Our large community helps you search.**

[Register your bike NOW for FREE](https://www.bikebaze.nl/en/bikevault/free-bike-registration)

Available in the Netherlands

## About Univé bike insurance

Below is an overview of the policy terms, claim procedure and frequently asked questions, based on the insurer's official documentation.

Last verified 4 May 2026

This information was verified on the date shown above against the insurer's official website. Premiums, terms and requirements may change, so always confirm the current details at the source.

## Policy details

<table class="w-full text-left"><tbody><tr class="border-t border-brand-navy/5"><th scope="row" class="py-3 px-6 align-top text-sm font-medium text-brand-navy/70 w-1/2">Valuation method</th><td class="py-3 px-6 align-top text-sm text-brand-navy">Purchase value of the bike in case of theft or total loss during the first 3 years.</td></tr><tr class="border-t border-brand-navy/5"><th scope="row" class="py-3 px-6 align-top text-sm font-medium text-brand-navy/70 w-1/2">Deductible</th><td class="py-3 px-6 align-top text-sm text-brand-navy">€50 standard deductible for damage. For theft, you can choose between €0, €100, €250 or €500. No deductible applies in case of total loss.</td></tr><tr class="border-t border-brand-navy/5"><th scope="row" class="py-3 px-6 align-top text-sm font-medium text-brand-navy/70 w-1/2">Premium from</th><td class="py-3 px-6 align-top text-sm text-brand-navy">€2.27 / month</td></tr><tr class="border-t border-brand-navy/5"><th scope="row" class="py-3 px-6 align-top text-sm font-medium text-brand-navy/70 w-1/2">Lock requirement</th><td class="py-3 px-6 align-top text-sm text-brand-navy">One ART-approved 2-star lock for bikes up to €3,500; two ART-approved 2-star locks required for e-bikes and bikes above €3,500</td></tr><tr class="border-t border-brand-navy/5"><th scope="row" class="py-3 px-6 align-top text-sm font-medium text-brand-navy/70 w-1/2">E-bike battery</th><td class="py-3 px-6 align-top text-sm text-brand-navy">Included</td></tr><tr class="border-t border-brand-navy/5"><th scope="row" class="py-3 px-6 align-top text-sm font-medium text-brand-navy/70 w-1/2">International coverage</th><td class="py-3 px-6 align-top text-sm text-brand-navy">Worldwide cover against theft and damage; Roadside assistance in the Netherlands or up to 25 km across the border in Belgium and Germany</td></tr></tbody></table>

## Filing a claim

Phone

[+31 592 349 340](tel:+31592349340)

Opening hours

Mon-Fri 08:30-18:00, Sat 09:30-16:00 (customer service); Emergency centre 24/7 on +31 592 348 112

Online claim form

[https://www.unive.nl/klantenservice/schade-melden](https://www.unive.nl/klantenservice/schade-melden)

### Documents you need

-   Police report (case number and copy of the official report)
-   Original bike keys
-   Purchase receipt for the bike

## Frequently asked questions

What is the starting price for Univé bike insurance? +

Bike insurance with Univé starts from €2.27 per month for a regular bike. The final premium depends on age, place of residence and the purchase value of the bike; for e-bikes the rate is slightly higher.

Which lock is required by Univé? +

For bikes up to €3,500, one ART-approved 2-star lock is required. For e-bikes and bikes with a purchase value above €3,500, two ART-approved 2-star locks are required.

What should I do if my bike is stolen? +

File a police report immediately after discovery and keep the case number and the official report. Then report the theft online in Mijn Univé and hand in the original bike keys to Univé.

What deductible does Univé apply? +

For damage, the standard deductible is €50. For theft, you can choose between €0, €100, €250 or €500.

How do I contact Univé in case of damage to my bike? +

You can report a claim 24/7 via Mijn Univé. For breakdowns or emergencies, call the emergency centre on +31 592 348 112; for other claim questions, call +31 592 349 340 on weekdays from 08:30-18:00 and Saturday from 09:30-16:00.

## Why register your bike with BIKEBAZE?

Univé requires both the original purchase receipt and the original bike keys in case of theft. By registering your bike via BIKEBAZE with frame number, purchase receipt and lock details, you have all the evidence Univé requests in one place and can easily prove that you meet the ART lock requirement.

Last verified: **4 May 2026**

Sources

-   [Product page Bike Insurance →](https://www.unive.nl/fietsverzekering)
-   [Bike insurance pricing →](https://www.unive.nl/fietsverzekering/kosten)
-   [Customer service bike insurance →](https://www.unive.nl/fietsverzekering/klantenservice)
-   [Bike theft, what to do →](https://www.unive.nl/schade/diefstal-fiets)
-   [City bike page →](https://www.unive.nl/fietsverzekering/stadsfiets)

## Our mission:  
Making cycling safe together.

Bicycle theft is still a major problem in Europe. The police and municipalities are doing what they can, but that is not enough at all. That’s why there’s BIKEBAZE®. We believe in the power of collaboration. Every time someone registers a bike, our network grows stronger. This is how we help each other and make Europe safer for everyone on bicycles.

[Register your bike for free](https://www.bikebaze.nl/en/bikevault/free-bike-registration)

Ecosystem

The BIKEBAZE-community consists of everyone who has registered their bike with BIKEBAZE and actively scans SafeTags and checks frame numbers together.

Scan SafeTags, earn points, and unlock discounts or free products.

[Order the SafeTag](https://www.bikebaze.nl/en/shop)

-   Free shipping
-   No subscription costs

### [SafeTag Original](https://www.bikebaze.nl/en/safetag-producten/safetag-original)

€9.99

[Order now](https://www.bikebaze.nl/en/safetag-producten/safetag-original)

### [SafeTag Red](https://www.bikebaze.nl/en/safetag-producten/safetag-red)

€9.99

[Order now](https://www.bikebaze.nl/en/safetag-producten/safetag-red)

### [SafeTag Grey](https://www.bikebaze.nl/en/safetag-producten/safetag-grijs)

€9.99

[Order now](https://www.bikebaze.nl/en/safetag-producten/safetag-grijs)

## Join thousands of cyclists. Our community helps find stolen bikes and deters thieves.

[Join the community for free](https://www.bikebaze.nl/en/bikevault/free-bike-registration)