What is Theft Insurance, and what does it cover?
Our Theft Insurance is a yearly subscription plan to protect your bike against theft and damage from a theft attempt.
For all the details about the Theft Insurance and what it covers, please check this dedicated page on our website.
Can I use Theft Insurance on a Circular bike?
Yes, Circular bikes are eligible for the Theft Insurance.
Can I use Theft Insurance on a second-hand bike?
If you have bought your bike from another rider, the bike will be considered second-hand and will not be eligible for the Theft Insurance.
The only second-hand bikes that can be insured are the Circular Bikes when they are bought directly with us.
Where is Theft Insurance available?
You can order the Theft Insurance if your official residence is in Belgium, the Netherlands, France, Germany, Italy or the United Kingdom.
You are covered in case of theft in the following countries: the European Union, Great Britain, the Principalities of Andorra and Monaco, the Vatican, Iceland, Croatia, Liechtenstein, Norway, San Marino, and Switzerland. This means that your bike is also insured if you take it on holiday in one of those countries.
If your official residence changes from one country to another, please immediately contact the insurer at this form. In the frame of the insurance, for each address change, even within the same country, please also get in touch with the insurer on this form.
Can I subscribe to Theft Insurance if I am leasing my bike?
Leasing partners traditionally include insurance in their offer. Therefore, ordering Theft Insurance if you are leasing your bike is impossible.
If you purchased your bike through Cyclescheme (UK) or Fietsplan (NL), you can order Theft Insurance afterwards since it was not included in your purchase. Once you receive your bike, you can simply subscribe to Theft Insurance through your app.
How do I subscribe to Theft Insurance?
If we offer Theft Insurance in your country (see here), you can subscribe directly at checkout when purchasing a bike or in the app after activating your bike.
If you have already activated your bike, you can subscribe through the app directly.
If you subscribe at checkout before receiving the bike, you will receive 2 emails to set up your insurance:
A first email to finalise your insurance by answering a couple of questions (this needs to happen within 14 days after subscribing). Finalising the insurance doesn't kick off the insurance period so you should do this even if you did not receive the bike yet.
A second email with a 6-figure code. Once you have received and activated your bike, you must input this code in the Cowboy app in the Theft Insurance section. The insurance will then be linked to your bike and your insurance will start running.
If you have any other questions, please have a look here and scroll down to the bottom of the page for the FAQ section and Terms and Conditions.
Can I purchase my insurance now and activate it later?
If you purchase the insurance when ordering your bike, you can activate it whenever you like, thanks to the 6-digit code that you will receive per email after finalising your subscription. You can activate it by inputting the code in the theft insurance section of your app. Until you activate it, bear in mind that you are not covered.
If you purchase the insurance after activating your bike, then the insurance will be activated automatically and directly.
I have an issue when activating the insurance, what should I do?
Usually, when there is an issue activating Theft Insurance, you will be blocked at the stage where you need to add your birthdate. If this is the case, simply ask to connect to an agent, and they will solve the issue.
How do I renew my subscription to Theft Insurance?
We will send you several reminder emails a few weeks before your insurance's yearly expiration date. These emails will include a payment link for renewal, which will allow you to remain insured for one more year.
How do I cancel my Theft Insurance subscription?
Cancelling your insurance or insurance renewal is very easy. To officially cancel your insurance or insurance renewal:
If you didn't activate your insurance yet OR if you activated it less than 14 days ago, simply fill out the cancellation form
If you activated your insurance more than 14 days ago, simply fill out this form
Why was my insurance cancelled?
As long as you pay your Insurance premium on time, your bike remains insured.
If you have an issue with the insurance being marked as cancelled, please first make sure that you paid the premium before the expiration date of your insurance.
If you do not pay on time, your subscription will end, but you can re-subscribe to the Insurance through the app if the bike is less than five years old.
If you paid on time for the renewal, and the app did not update it, simply get in touch with the team through the chat in your app, and an agent will do what is necessary to solve the issue.
How do I transfer the Theft Insurance?
There are three different cases where you may want/need to transfer the insurance:
If you want to transfer the insurance because you are selling your bike, kindly note that the Insurance is linked to one policyholder and, therefore, cannot be transferred to someone else. If you sell your bike, you will need to contact Qover (this form) to ask them to cancel your insurance immediately and be refunded for the unused premium.
If you received a new bike with the same price as the previous bike you had and would like to transfer the insurance to this new bike, simply get in touch with the team through the chat in your app. They will do the necessary to transfer your account and insurance to your new bike.
If you received a new bike at a price different than the previous one, please fill out this form to explain the situation to the insurer. They will be able to refund the unused premium, and you can purchase the insurance again from your Cowboy app once you are linked with the new bike.