Keep Your Bike
Moving.

Theft, vandalism and accidental damage cover for bikes and e-bikes in the Netherlands. A fair price in 30 seconds, claims handled by real people.

Insuring riders in every Dutch city

AmsterdamUtrechtRotterdamThe HagueEindhovenGroningenNijmegenHaarlem
Why Choose Spokely

Built Around Your Bike

Clear rules, a price you can check, and claims that are handled by one person from start to finish.

A locked bike

Theft and Damage Cover

From the city bike at the station rack to the e-bike in the shed: pick Essential for theft and vandalism or All-risk to add accidental damage. The cover limit is agreed upfront, so a claim is never a negotiation.

Online Claims

File a claim in minutes. A handler takes it, and you follow every status change.

Clear Lock Rules

Over EUR 1,500 an ART-2 lock, over EUR 5,000 ART-3. Shown before you buy, not after a claim.

One Account, Every Bike

Register your bikes, compare quotes, pay instalments and follow claims. Renew from the day after your policy ends, without a gap.

Create an account

Best Rates

14 days to change your mind with a full refund. After that, a pro-rata refund of the unused premium.

Who We Are

Insuring
Every Ride
In The Netherlands.

The Netherlands has more bikes than people, and a bike is often the most-used and most-stolen thing a household owns. Spokely was built by cyclists to make bike insurance simple: a transparent price, honest lock rules and a claims team that answers.

14 days
Cooling-off
12
Monthly instalments
1 handler
Per claim, start to finish
A cyclist in an Amsterdam street

Made for Dutch streets

Racks, ferries, tram tracks and all

A bike against a wall
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Price in 30 seconds

Rider First

Every rule starts with "does this help a rider whose bike is gone?" Claims are handled by one person, with reasons in writing.

Honest Prices

The calculator shows the premium, the 21% tax and the instalment fee before you sign up. The price you see is the price you pay.

Simple Rules

One bike, one live policy. A paid theft ends the policy; a cancelled policy refunds what you did not use.

Our Covers

Cover For Every Bike

Two simple covers, rates that follow the type of bike, and rules that are the same for everyone.

Theft & Vandalism

The cover every bike needs: theft of the whole bike, and damage caused by thieves and vandals.

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All-risk Cover

Theft and vandalism plus accidental damage: falls, collisions and broken parts.

Learn More

E-bike Protection

Motor, battery and display covered as part of the bike, with rates that reflect real e-bike risks.

Learn More

City Bike Cover

The everyday bike: low price, simple rules, straightforward claims.

Learn More

Road & MTB Cover

Sport bikes with light, expensive components, covered for theft and crash damage.

Learn More

Cargo Bike Cover

Bakfiets and longtail owners: the value is high, so the lock rules are clear.

Learn More
How It Works

Seamless Process

Three steps, no phone calls and no paper forms.

1

Price Your Bike

Enter the type, what you paid, when you bought it and your lock. The price appears instantly.

2

Register And Choose

Create an account, save your bike with its frame number and pick cover, excess and payment plan.

3

Ride Covered

Pay the first instalment and your policy is live from the start date. Claims are filed online.

Testimonials

Rider Stories

Riders who have filed a claim, cancelled a policy or just asked a question.

"My bike was gone on a Tuesday and the claim was decided by Friday. I could follow every step in my account."

Ad
Anouk de Vries

Nurse, Utrecht

"The price for my e-bike was clear before I made an account. The lock rule was explained, not hidden in the small print."

JH
Joris Hendriks

Courier, Amsterdam

"I cancelled in the first week and got the full amount back, no questions. That is how it should work."

MY
Mehmet Yilmaz

Teacher, Rotterdam

Example Prices

Transparent Prices

Live prices from our rate table for a bike bought today, EUR 100 excess, paid monthly. Yearly payment is 4% cheaper.

City Essential

Theft and vandalism for an everyday city bike.

€5,00/mo
  • Agreed value up to EUR 900
  • EUR 100 excess
  • Theft and vandalism
  • Cancel within 14 days for a full refund

or €58,08 paid yearly, incl. 21% tax

Get this quote
Most Popular

E-bike All-risk

Theft plus accidental damage for a new e-bike.

€21,08/mo
  • Agreed value up to EUR 3,200
  • Motor and battery included
  • Up to two damage claims a year
  • ART-2 lock required

or €244,87 paid yearly, incl. 21% tax

Get this quote

Cargo All-risk

For the bakfiets that replaces the car.

€34,00/mo
  • Agreed value up to EUR 5,400
  • Theft, vandalism and damage
  • ART-3 lock required
  • Pay in 12 instalments

or €394,98 paid yearly, incl. 21% tax

Get this quote
FAQ

Common
Questions

Answers about prices, locks, claims and cancellation. Cannot find yours? Send us a message.

Ask A Question
Use the calculator on the home page or the quote page. Enter the bike type, what you paid, when you bought it and your lock. You see the price for yearly and monthly payment immediately, without an account.
The maximum we pay in a policy year. It is the purchase price times an age factor: 100% in the first year, 85% in the second, 70% in the third and 55% after that. It is written on your policy and never changes during the year.
Bikes worth over EUR 1,500 need an ART-2 or ART-3 lock. Bikes over EUR 5,000 need an ART-3 lock. Cheaper bikes can be insured with any lock.
Log in, open your policy and choose File a claim. For theft, add the reference of your police report. A claims handler takes your file, usually within a working day.
Yes. Within 14 days of buying you get everything back. Later you get the unused part of the premium you paid, minus a EUR 15 admin fee. You cannot cancel while a claim is open.
Yearly in one payment, or monthly in 12 instalments with a 4% fee. The first payment is made at checkout. This demo simulates payment: no real money moves.
From The Journal

Bike Tips & Articles

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Cover starts the day you choose

Ready To Insure Your Bike?

Price it in 30 seconds. Pay yearly or monthly. Cancel within 14 days for a full refund.

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14-day cooling-off
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