HomeJournalCargo bikes

Cargo bikes: why they are insured differently

Nv
Noor van Dijk
Author
2 Sep 2026
4 min read

A bakfiets is a car replacement for many families. We price them by value and lock, not by wheel count.

Cargo bikes cost more than most cars' depreciation in a year, and they are heavy to steal but easy to load into a van.

Locks matter more Bakfietsen are frequent targets, so an ART-2 lock is required above EUR 1,500 and an ART-3 lock above EUR 5,000.

Children and cargo Our cover applies to the bike itself. Cargo and passengers are covered by your own liability and travel insurance.

Excess A higher excess lowers your price. EUR 250 saves 15% against the EUR 50 option.

What would it cost to insure your bike?

Get a price in 30 seconds, no account needed.

Get a quote

Keep reading

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.

No hidden fees
14-day cooling-off
hello@spokely.example