Fatbike insurance 2025: Complete guide to protection & costs

Did you know that the number of fatbikes stolen in the Netherlands increased by over 40% in 2024? Especially in cities, fatbikes are a popular target for thieves.

If you've just bought a fatbike, you obviously want to protect it properly. Insurance is then not a luxury, but a smart way to protect yourself from damage or loss.

In this blog you will read why insuring your fatbike is smart, what options there are, how to arrange this easily through Stoer Bikes and what else you should pay attention to. Whether you have just purchased a fatbike or are still in the exploratory stages, with this information you will be well prepared to hit the road carefree.

A good insurance policy not only provides peace of mind, but also ensures that you're back on the road quickly if something happens. In this blog you will read why insuring your fatbike is smart, which options are available, how to arrange this easily via Stoer Bikes and what else you should pay attention to.

1. Why you should insure your fatbike
2. What coverages are available
3. Reviews Tracefy
4. How insuring through Stoer Bikes works
5. What fatbike insurance costs
6. Tips to reduce risk and premium
7. Answers to frequently asked questions

A fatbike is not only eye-catching. It is also a big investment. With prices quickly approaching thousands of euros, it goes without saying that you will want to protect your bike well. Especially in busy cities, where theft and vandalism are unfortunately common, insurance is not an unnecessary luxury but a wise choice.

Moreover, damage happens in no time. Think, for example, of a fall, a collision or technical problems on the road. In such situations, good insurance can make all the difference. You won't have to bear the costs yourself and you won't be alone if something goes wrong.

Do you use your fatbike for business? For example, for commuting or courier services? Then insurance is highly recommended. After all, you depend on your bike and don't want unexpected damage to get in the way of your work.

All in all, insurance offers you security, protection and peace of mind. So you can focus fully on what really matters: enjoying every ride.

Now that you know why it's wise to insure your fatbike, it's good to see what types of cover are available. Not every insurance policy is the same. Depending on your needs and usage situation, you can choose from different packages. Below we list the most important options for you.

1. Theft Insurance
   First, there's the basics: theft coverage. Because fatbikes are popular with thieves, this form of insurance is essential for many owners. If your bike is stolen, you get back (depending on the policy) the new-for-old value or daily value.
2. Comprehensive or all-risk insurance
   In addition to theft, you can also have damage co-insured. Think of damage caused by a fall, collision, vandalism or storm. This coverage is often called "casco" or "all-risk" and is ideal if you want extra security.
3. Roadside assistance
   Are you on the road with a flat battery, flat tire or technical problem? With roadside assistance you will be picked up or helped immediately, so you can continue your journey quickly. Especially useful if you drive long distances every day.
4. Additional options
   Finally, some insurers offer additional modules, such as accident insurance or legal expenses. These additions are particularly interesting for intensive users or people who want extra security.

With these coverages, you put together your own insurance that fits your situation and riding habits. In the next section, we explain how to arrange this easily through Stoer Bikes.

Tracefy scores high on customer satisfaction with a Google rating of 4.9 out of 5 stars. Customers are especially satisfied with the ease of use, quality and service. Despite some reports of slow updates, Tracefy remains a popular and reliable choice for fatbike security.

Now that you have a good idea of the different coverages, you may be wondering: how exactly do I arrange it? Fortunately, Stoer Bikes makes taking out insurance very easy.

When you buy a fatbike from STOER Bikes, you can buy insurance directly in the store or online. What's more, you hardly need to arrange anything yourself. The team at STOER Bikes will help you choose the right coverage and make sure the registration is completed immediately. So you ride out of the store properly insured, without paperwork or complicated forms.

Also convenient: with your proof of purchase you will receive all policy details and instructions conveniently in one place. Do you have questions later or want to change something? Then you can always contact STOER Bikes for support.

In short, insuring your fatbike through STOER Bikes is fast, reliable and hassle-free.

A fatbike is a valuable investment, and insuring it involves costs. Exactly how much you pay depends on several factors such as the model, where you live and the coverage you choose. At Stoer Bikes, you can choose the STOER Secured Fatbike Insurance.

The premium is calculated based on the purchase value of your bicycle without accessories and does not include policy fees. It also distinguishes between standard areas and cities with an increased risk of theft.

Sample premiums by model (per month):

Cities include areas with an increased risk of theft.
CargoX in urban areas is subject to mandatory overnight parking.

As you can see, premiums can vary significantly depending on where you live. Do you live in a busy city? Then the premium is higher because of the greater risk of theft. On the other hand, with proper coverage, you will be fully protected against both theft and damage.

Unsure which region applies to you? Then please contact Verbeek Advice at info@verbeekadvies.nl or call 0297 - 327 272 and they will be happy to assist you.

While good insurance is essential, you can do a lot yourself to reduce the risk of damage or theft. And the lower the risk, the better the premium. Below you will find some practical tips to optimally protect your fat bike and to possibly save on insurance costs.

1. Use an ART-approved lock
   Many insurers, including ENRA, require at least a ART-2 certified lock. This increases security and is often required for payment in case of theft.
2. Always secure your fatbike to a fixed object
   Attach your bike to a post, fence or bike rack with the lock. Just locking it is not enough. Insurers only pay out if you can prove that you properly secured the bike.
3. Avoid remote or poorly lit areas
   Preferably park in busy, highly visible locations. Burglary and thief locations are partly determined by environmental factors. So avoid dark alleys or quiet streets.
4. Choose indoor storage at night
   For some models, such as the CargoX in large cities, the night storage required. This means putting your bike inside at night (such as in a shed, storage room or garage).
5. Consider GPS tracking or alarms
   Additional security options such as a GPS tracker or a motion alarm can prevent theft and also ensure faster recovery. Some insurers reward this with a lower premium.

By being smart about the security of your fatbike, you not only make it difficult for thieves, but also ensure that you always stay within the terms of your insurance policy.

Is damage caused by vandalism also covered?

Yes, but only if you have all-risk or hull insurance. Theft is covered as standard in the basic insurance, but damage due to intentional destruction is not always covered.

Can I also insure my fatbike afterwards?

Yes, in many cases this is possible. Just keep in mind that the bike must be in good condition and proof of purchase may be required. The earlier you take out insurance, the better your risks will be covered.

Is my insurance valid abroad?

By default, your insurance is usually valid in the Netherlands. Some policies offer coverage in other European countries, but that depends on the conditions of the insurer. Ask Verbeek Advies or check the policy.

What happens if I sell or replace my fatbike?

The insurance runs on the frame number of the bike. If you sell your fatbike or want to switch to another model, you can stop the insurance or have it transferred to the new frame, depending on the policy terms.

What should I do in case of damage or theft?

Report the damage or theft directly to your insurer. Make sure you have all necessary documents on hand, such as the proof of purchase, your policy number and - in case of theft - the police report.

Well insured on the road? Simply arrange it through Stoer Bikes

A fatbike is an investment you have to take care of. With the right insurance, you can prevent financial setbacks and make sure that you can get back on your bike quickly in case of damage or theft. Whether you choose basic insurance or extensive all-risk coverage: at Stoer Bikes we are happy to help you make the right choice.

Want to know more or buy insurance directly?
Visit our website: stoerbikes.com/insurance

Insure your fatbike today and enjoy every mile, worry-free.