INSURANCE

Professional insurance for your bike

IN PRACTICE

Top Vélo from AG

The professional insurance Top Vélo* covers you and your team in case of accident, vandalism, theft or breakdown. For company bikes, city bikes or racing bikes, electric bikes, mountain bikes, as well as scooters, Segways, unicycles or hoverboards.

YOUR BENEFITS

Ride with peace of mind

This professional insurance covers your costs in case of theft, damage anywhere in the world or breakdown in Europe**. Do you ride a mountain bike or racing bike? Supplement your coverage with the material damage or theft guarantees.

MAKE AN APPOINTMENT

Request a quote

For liberal professionals, self-employed and others. How to choose your bike insurance or that of your team? Ask your advisor. Or call the Easy Banking Centre on 02 433 43 34 for a video call appointment.

* Top Bike is an omnium insurance policy under Belgian law from AG SA, distributed by BNP Paribas Fortis SA. It is a one-year contract with tacit renewal for the same period, unless terminated at least 3 months before the main expiry date. For contracts taken out or tacitly renewed from 1 October 2024, you have until 2 months before the main expiry date to terminate them.

** The guarantee only applies more than 1 km from your home and within the European Union (except in Estonia, Latvia, Lithuania and Cyprus), and also in the United Kingdom, Monaco, San Marino, Andorra, Liechtenstein, the Vatican, Switzerland, Montenegro, Bosnia and Herzegovina, Kosovo, Iceland, Macedonia, Norway and Serbia. The Assistance guarantee does not apply in the Canary Islands and Madeira, in the Spanish enclaves of Ceuta and Melilla on African territory, in Turkey and on French territory outside metropolitan France.

Bikes, scooters, Segways...

Perfect for avoiding traffic jams, good for your health and tax-advantageous: are you already using a company bike, scooter or Segway for your professional trips or home/work journeys?

This professional bike insurance is designed for you and your team! It protects you from unexpected costs in case of accident, vandalism, theft, damage or breakdown. On the road, but also during the transport of your soft mobility vehicle.

Get a discount on your Bike insurance

On or before 31 December 2026, you can benefit from several cumulative discounts.

Total Customer Insurance -10%

Enjoy a 10% discount on the premium of AG’s Top Vélo insurance for the entire term of your contract - provided the contract remains unchanged. You will receive the discount if you have:

This offer is valid for all new contracts and contract changes resulting from a change of vehicle.

Choose your bike insurance guarantee

Choose your guarantee according to your team and the vehicle you use.

  • Assistance guarantee

    Electric scooter out of order, Segway broken, or a punctured tyre? Enjoy our assistance, a replacement bike, or a taxi. Already available 1 km from your home and almost everywhere in Europe**.

  • Material damage guarantee

    Cover the cost of material damage to your bike, scooter or Segway and their accessories anywhere in the world. For your bike, scooter or Segway and their accessories.

  • Theft Guarantee

    Protect yourself against financial loss in the event of vandalism or theft of your professional bike or soft mobility vehicle, including accessories. This comprehensive theft guarantee provides worldwide coverage.

  • Bike Accessories

    Any accessories attached to your bike, scooter, or Segway are insured. Additionally, any accessories purchased afterwards are covered up to 10% of the insured value, with a maximum of €500. Helmets are covered up to €100.

Your protection in detail

Covered and non-covered risks

Professional bike insurance covers:

  • all accidents. On the road, during transport, loading and unloading

  • theft of your company bike, scooter, Segway, hoverboard, or unicycle if the lock*** is opened, forced, or broken, and the vehicle is secured to a fixed attachment point, bike rack, or another bike.

  • vandalism, theft, or attempted theft, whether or not a break-in occurs.

  • Between 10pm and 6am, we cover theft of mountain bikes, racing bikes, unicycles, or hoverboards that are protected by a lock and stored in a vehicle, enclosed space, or behind a fence.

  • theft or damage resulting from break-ins in garages, bike parking areas, on public roads, bike racks, or in cars.

Professional bike insurance does not cover:

  • damage caused to your company bike, scooter, Segway, hoverboard or unicycle and accessories by a defect, poor maintenance or improper use

  • theft of one or more accessories if your company bike, scooter, Segway, hoverboard or unicycle has not been stolen.

  • damage caused by excessive load or overload of a trailer

  • theft of an mountain bike, racing bike, unicycle or hoverboard, if it does not take place between 10pm and 6am, in an enclosed space or fenced area, or if it is not locked.

*** The Theft guarantee applies provided that an approved ART 2-star lock (chain lock, U-lock or folding lock) or a lock with a minimum value of 60 euros is used. This device must be attached to a fixed attachment point. A fixed attachment point is a fixed, immobile and hard part in stone, metal or wood, connected to a solid wall or the ground and from which the bike or insured object cannot be detached or removed, even by lifting it. The lock is covered by the material damage and theft guarantees.

Insatisfait·e ?

You can send a complaint to BNP Paribas Fortis SA's complaint management department (Service de gestion des plaintes) (JQABD) at, Montagne du Parc 3, 1000 Bruxelles, by phone +32 2 228 72 18, by email gestiondesplaintes@bnpparibasfortis.com or on the website www.bnpparibasfortis.be > Suggestions or complaints > online declaration form.

If the proposed solution is not satisfactory, you can contact the Insurance Ombudsman Service (Service de l'Ombudsman des assurances) at, square de Meeûs 35, 1000 Bruxelles – BCE 884.072.054 –, by phone au +32 2 547 58 71, by email info@aginsurance.be or via the website www.ombudsman-insurance.be.

And in case of a claim?

Emergency assistance in case of accident, claim declaration... Do you need us? Our team is here to help you!

Contact our team

Contact your advisor or call the Easy Banking Centre for a video call appointment.

  • Top Moto from AG

    Protect your team, your motorcycles and cover your unexpected costs. An ideal and beneficial solution for the self-employed.

    More information

  • Third-party company vehicle insurance from AG

    Third-party insurance for your company car, van and truck covers damage caused to third parties in the event of an accident. Your passengers or colleagues are also protected.

    More information

  • If your company vehicle has not been properly repaired or if you have not received compensation for damage, we help you get legal advice and have your court costs reimbursed.

    Learn more

Legal information

AG Insurance (abbreviated AG) SA – Bd E. Jacqmain 53, B-1000 Brussels - www.aginsurance.be - info@aginsurance.be – info@aginsurance.be – RPM Brussels – VAT BE 0404.494.849 - Insurance company approved under code number 0079, under the supervision of the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels.

Intermediary: BNP Paribas Fortis SA – Montagne du Parc 3, B-1000 Brussels – RPM Brussels – VAT BE 0403.199.702, is registered under this number with the FSMA, rue du Congrès 12-14, 1000 Brussels, and acts as a tied insurance agent, remunerated by commissions, for AG Insurance SA. BNP Paribas Fortis SA holds a stake of more than 10% in AG Insurance SA.

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