Secure protection for your cargo bike
Comprehensive insurance coverage for your cargo bike by nextsure – digital, simple, and tailored. Protect your valuable investment and urban mobility.
Comprehensive Theft Protection
Cover for Accident & Vandalism
Battery & accessories co-insured
Why a cargo bike insurance is indispensable for you
Protection against high repair costs
Protection against theft risks
Carefree use in everyday life
Preservation of the value of your investment
Theft protection for cargo bikes: What exactly is covered by nextsure?
Cargo bikes, whether as an e-cargo bike or a classic cargo bike, often represent a significant investment and are an increasingly popular target for thieves due to their high resale value and practical usability. Therefore, specialised cargo bike insurance from nextsure is essential to effectively address these risks. Our policies’ theft protection applies not only when your entire cargo bike is stolen but also extends in many covers to parts firmly attached to the frame, such as the valuable battery, the display, permanently installed lighting systems, or special transport structures. A crucial aspect here is the precise definition in the insurance contract: Is the battery insured if stolen separately? What security measures, such as a certified lock of a specific security level, are required to ensure full insurance coverage? Does the protection apply worldwide or is it limited to certain regions? Our experts at nextsure offer comprehensive advice on these details and help you choose a plan that also covers part theft or burglaries from secure storage rooms or garages. Transparency in the conditions is important to us, so you're not only financially protected in the event of an incident but also regain your mobility as quickly as possible.
Your protection package
Services of our Cargo Bike Insurance
Theft protection
Worldwide, 24/7, including battery and fixed parts.
Repair Protection
In the event of an accident, fall, vandalism, or user error.
Battery cover
Comprehensive protection against electronics and moisture damage.
Parts Protection
Firmly attached parts and accessories are also insured.
Breakdown assistance
Optional protection letter for quick assistance while traveling in Europe.
New Value Insurance
Compensation at replacement value in the first years of insurance.
Natural hazard damage
Protection against storms, hail, lightning strikes, and flooding.
Wear parts
Optional insurance coverage for certain wear parts such as tyres or brakes.
Digital Service
Simple online contract management and quick digital claims reporting.
Everything important at a glance for your safety
Ready for
Effortless cargo bike mobility?
Protection against damages: Ensure optimal insurance coverage for accidents, vandalism, and natural events
In addition to the ever-present risk of theft, unforeseen events such as accidents in busy city traffic, malicious damage from vandalism, or natural forces like storms, hail, and flooding can cause significant and costly damage to your cargo bike. A comprehensive cargo bike insurance from nextsure covers the necessary repair costs in such cases. If a repair is no longer economically viable (total loss), we will reimburse you for the replacement value of your cargo bike according to the contractual agreements, often even at new value during the first years of insurance. At nextsure, we work with you to analyse your individual needs to define the optimal scope of protection. This can range from simple coverage of repair costs to enhanced services such as a complimentary replacement cargo bike during downtime. Get detailed information about coverage limits, exclusions, and any deductibles to be well-prepared in the event of a claim. Our digital processes enable quick and uncomplicated claims reporting.
Battery protection in detail: Properly insure the powerhouse of your e-cargo bike
The battery is the heart and one of the most expensive components of a cargo e-bike. A failure or defect can significantly restrict its use and incur high replacement costs. Therefore, specialised battery protection is a key element of the nextsure cargo bike insurance. This comprehensive protection covers a variety of risks, including damage from improper handling, moisture ingress, electronic damage from short circuits or overvoltage, and often also age-related wear and tear over a certain period. Particularly important: At nextsure, we ensure that your battery protection also includes theft of the battery, even if it is stolen separately from the cargo bike – a risk not to be underestimated. We explain to you transparently the differences between a new price compensation and a current value compensation for batteries and which specific criteria are relevant for benefit coverage in the event of a claim. Pay attention to details such as the age limits of the battery and performance limits in terms of battery protection to enjoy optimal protection.
Always mobile: Breakdown assistance and mobility services for your cargo bike
Imagine you're out with your fully loaded cargo bike and experience a breakdown – a flat tire, a technical defect with the drive, or a suddenly empty battery far from any charging point. Such situations can make continuing your journey impossible and disrupt your plans. An optional breakdown assistance and mobility service, which can be added to your cargo bike insurance with nextsure, offers a quick and straightforward solution. This service can cover a variety of benefits, such as on-the-spot repair of minor damages by mobile bike mechanics, safe transport of your cargo bike to the nearest qualified workshop, or even the provision of a replacement bike or coverage of taxi costs to ensure your mobility. nextsure offers you flexible options so that even in the event of a breakdown, you can quickly resume your journey. Check the coverage area (e.g., nationwide or Europe-wide) and the exact services provided by the breakdown assistance to configure the mobility protection that best suits your individual usage requirements and riding profile.
Commercial use of cargo bikes: Specific insurance solutions
The commercial use of cargo bikes, whether for courier services, retail deliveries, as a mobile craftsmen's vehicle, or as part of sharing schemes, places special demands on insurance coverage. Compared to purely private use, the risks are often higher: more intensive use, higher annual mileage, transport of goods, and potentially different liability scenarios. Standard private policies are usually insufficient here. nextsure understands the specific needs of commercial cargo bike users and offers tailored insurance solutions. These consider aspects such as insurance for transported goods (goods transport insurance), adjusted coverage for wear and tear, and possibly necessary extension of liability coverage. We provide comprehensive advice on the differences between private and commercial security and help you design a policy that meets legal requirements and the specific risks of your business model. Employer's liability insurance can be a sensible addition here and should be included in the overall consideration of your business protection.
Tailored
& Flexible
Digital
& Transparent
Fair Price
& Top Performance
Navigating the Cargo Bike Insurance Jungle: How to Find the Best Protection with nextsure
The market for cargo bike insurance is diverse and continuously growing, leading to a wide range of policies that can vary significantly in price and coverage. Therefore, a careful and transparent comparison of policies is essential to find the optimal protection for you. Pay attention not only to the monthly or annual premium but especially to the details of the coverage: What specific damages are covered (e.g., electronic damage to the battery, vandalism)? What are the agreed coverage limits and is there a deductible in the event of a claim? What exclusions are noted in the terms and conditions? As your digital insurance portal, nextsure offers you not only transparent comparison options for different policy options but also expert, individual advice. Our digital tools, such as the online premium calculator, and our insurance experts help you identify the insurance that fits your individual needs, your specific cargo bike model, and your usage (private or commercial). We support you in avoiding pitfalls in the small print and choosing an insurance cover that provides you with real added value and comprehensive security.
Making a claim easy: Your guide in case of an emergency with nextsure
Despite all precautions, damage can occur to your cargo bike. In the event of an emergency, quick and correct action is crucial to ensure a smooth and swift settlement through your cargo bike insurance with nextsure. Document the damage immediately and as detailed as possible: Take meaningful photos or videos of the damage and, if applicable, at the scene of the accident. In traffic accidents involving third parties or in cases of vandalism, you should secure witness statements and inform the police. Report the damage to your insurance without delay – with nextsure, you can do this easily, quickly, and conveniently via our digital customer portal or our service hotline. In the case of theft, it is also mandatory to file a police report; please submit the confirmation of the report to us. Keep all relevant documents, such as the purchase receipt for your cargo bike, the lock, any cost estimates, and repair invoices, carefully. Our experienced claims team will competently guide you through the entire claims settlement process and assist you with any questions to ensure fair and quick compensation.
Understanding the Fine Print: Important Clauses and Conditions of Your Cargo Bike Insurance
The insurance terms, often referred to as 'the small print', are a fundamental part of your insurance contract and precisely define the scope and limits of your coverage. At nextsure, we place great emphasis on transparency and help you understand these important clauses of your cargo bike insurance. Pay particular attention to regulations regarding the so-called night clause: How and where must your cargo bike be secured during the night hours (e.g. from 10 pm to 6 am) to maintain full theft protection? Familiarise yourself with the requirements for the bicycle lock (type, security level, minimum price). Clarify the amount of any possible excess you might have to bear in the event of a claim. Exclusions are also important: For instance, are damages occurring during participation in races or damages caused by gross negligence excluded from coverage? Understand the differences between new-for-old and current value compensation and the conditions under which these apply. Equally relevant are your obligations as the policyholder – namely duties you must fulfil (e.g. timely reporting of damage) to avoid jeopardising your insurance cover.
What does a good cargo bike insurance cost at nextsure?
Cargo bikes are often equipped with a variety of practical and often valuable accessories to enhance their functionality or increase comfort. These include high-quality child seats, lockable transport boxes, custom weather protection covers, special luggage carrier systems, or powerful additional lighting. It is crucial to clarify at the time of contract conclusion whether and to what extent these accessories are covered under your cargo bike insurance with nextsure. In many plans, accessories that are firmly attached to the cargo bike and included in the purchase price are automatically and freely insured up to a certain amount. Separate arrangements may apply for accessories purchased later or not permanently attached (e.g., an expensive bike bag that is not permanently mounted); they may need to be explicitly included in insurance coverage or covered through a separate accessory clause. nextsure helps you tailor the insurance coverage for your cargo bike accessories to your needs. It is best to create a detailed list of your accessories with their respective purchase values and receipts to accurately assess your insurance needs and be able to prove their value in the event of a claim.
