Skip to content

Cowboy e-bike Services Theft

Theft Insurance


Insurance, and more. Ride worry-free with theft insurance for your bike. Our package gives you access to Theft Alerts and a convenient plan to insure your ride.

  • Theft Alerts

    Be alerted if someone attempts to snatch your bike. Whenever your bike moves unexpectedly, we'll send you real-time tracking notifications via the app.

    Cowboy 4 e-bike - Theft Insurance
  • Emergency expense

    In case of theft or vandalism, we'll reimbourse you up to £250 for any expense incurred to get you and your bike back home.

    Cowboy 4 e-bike - Theft Insurance
  • 24/7 assistance

    In case of theft or vandalism, we'll come to assist you on the road and give you and your bike a ride home.

    Cowboy 4 e-bike - Theft Insurance

It's easy to sign up.

Click, pay, activate.

Just activate Theft Insurance when you purchase your bike, and you will be covered in no time. Or, sign up later in the Cowboy app.

Cowboy 4 e-bike - Theft Insurance
My bike was taken around midnight, but I missed the notification on my phone. The next morning, I received an alert around 7am that my bike had been moved around South East London. On the Friday after, more notifications but this time pointing clearly to a car wash. I traveled there, asked if they'd seen a bike in the area, and made a big point of saying it had a tracker on it. When I arrived back to work, I got a phone call — a customer had found my bike. Very grateful for Cowboy's brilliant anti-theft system.

Cowboy rider Dom, London UK

I left my bike outside for five minutes, and it was stolen. I immediately checked the app and called the police. I shared with them the live position of my bike and the police instantly sent two officers to the location. They checked a couple different houses, but with no success.

Overnight I received new Theft Alert notifications, and the police sent two officers again. They saw the thief – someone who was already well known to them – and arrested him on the spot.

Cowboy rider Peter, Ghent Belgium

I wasn't planning on using my bike that day. Without the Theft Alert notifications I don't think I would have realized until the next day that it had been stolen. I would strongly advise all users to activate them.

Cowboy rider Spencer, Paris France

Cowboy 4 e-bike - Theft Insurance


We get it, insurance comes with complex terms but our plan is quite simple. Here are some frequently asked questions so you can understand all there is to know.

Are you eligible for the insurance?
  • We cover your bike all year round for up to maximum 5 years.
  • An insurance policy intended for Cowboy bikes only.
  • The insurance is intended for people aged 18 and over who are officially resident in the United Kingdom
  • Your bike is intended for private or commercial use (e.g. as a courier, deliveries, etc.).
What is theft insurance?
  • If your bike is stolen, we will reimburse you the amount you paid for your bike.
  • We will also reimburse you for damage if it is the result of an attempted theft.
What is Emergency expense?
  • The guarantee applies when the insured is immobilized and unable to complete his journey with the insured bike due to a:
    • Accident
    • Theft
    • Vandalism
    • Bodily injury consecutive of the use of the bike
  • We cover, during the entire duration of the immobilization of the bike or insured's immobilization, the bike rental or travel costs incurred, to go the place where the insured needs to go and then the return to the insureds residence or the residence designated by him;
  • We pay for this guarantee based on supporting documents and up to a maximum £ 200 per claim.
  • This guarantee is limited to 3 claims per insurance year.
How does it work?
  • You will receive an activation code by e-mail when you purchased the insurance. To activate your plan and ride with peace of mind, you must enter it in the Cowboy application once your bike is set up.
  • In case of theft or total loss:
    • Contact us here to report a claim.
    • You will receive a compensation by bank transfer corresponding to the value of your bike.
How much is your excess?
  • In the event of theft and total loss: No excess is applied.
  • In the event of theft and total loss: No excess is applied.
Under certain circumstances, you will not be covered by insurance. What are they? (non-exhaustive list)
  • If the theft of the bike occurs when the bike is not locked by the frame or app lock provided by the manufacturer.
  • If the bike was in a place accessible to the public and was not secured to a fixed point by the frame with an agreed lock and not locked in accordance with the manufacturer's instructions, such as a frame lock or locking by means of an application.
  • If the bike was in a locked common room and was not secured to a fixed point by the frame with an agreed locked and not locked in accordance with the manufacturer's instructions, such as a frame lock or locking by means of an app.
  • The wheels, tires or battery if they are stolen separately from the bike.
  • If you cause damage to a third party while riding your bike, the insurance does not cover your liability.
  • Purely aesthetic damage (e.g. scratches or dents).
Are there any other rules to follow?
  • You will not be covered if you make technical modifications to the bike. However, you can add accessories such as a mudguard or child seat, but these will not be covered under this insurance unless they are originally delivered and fixed to the bike (for a maximum amount of £ 100).
Where am I covered?
  • The guarantee is valid in the countries of the European Union, the United Kingdom of Great Britain and Northern Ireland, the Principalities of Andorra and Monaco, the Vatican, Iceland, Croatia, Liechtenstein, Norway, San Marino and Switzerland.
What are my obligations?
  • In the event of theft, you must report it to the police or judicial authorities within 24 hours.
  • You must submit a copy of the police report to us at the time of the loss.
  • You must notify the claim as soon as possible after the incident and within 8 days of becoming aware of it.
  • You must keep the original invoice for your bike.
  • You must lock your bike in two ways:
    • With the frame lock and / or via the application on the bike.
    • You must attach your bike by the frame using an agreed lock, either ABUS BORDO (Security 10 or higher), ART (category 2 or higher), FUB (category 2 wheels or higher), or Sold Secure Silver (or Gold) to a fixed point (e.g. bike rack, post).
Can I cancel my contract?
  • You can cancel the insurance contract within 14 calendar days of taking out the contract or receiving it.
  • You can cancel your insurance if a renewal of your insurance is offered. You must notify Qover no later than 10 days before the start date of your new policy.
  • You can also cancel the insurance contract after a claim. You have 15 (fifteen) days from the date of payment or refusal to pay compensation. The insurance contract will then expire 15 days after the date of notification.
When and how do I pay?
  • You pay the premium annually.
  • Your bike can be covered for a maximum of 5 consecutive years.
  • Your contract has a duration of one year and a renewal may be offered by Qover every year.
  • At the end of five years, we will not offer renewal. This way, you never pay too long and it suits your needs.
How do I report a claim?
  • If you wish to report a claim, you can contact Qover via this online form
  • You can reach Qover from Monday to Friday between 8 am and 4 pm on +44 800 048 8899. Or by email at
What do I pay for?
  • 60% of the insurance premium goes straight back into the Theft Insurance community: replacing your stolen Cowboy.
  • 28% keeps Qover's wheels spinning (portfolio management, marketing, operations, IT, actuary, etc..)
  • And the other 12% goes to Cowboy for the theft detection notification and the customer fast lane support.

Terms & Conditions

Legal documents

  1. This page is a summary of the insurance policy, please refer to the terms and conditions for full details of your cover.
  2. This policy is administered by Qover SA. Qover is a Belgian untied insurance agent registered with the Financial Services and Markets Authority of Belgium under the code 0650.939.878 with registered address Rue du Commerce 31, 1000 Brussels. Deemed authorised and regulated by the Financial Conduct Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority's website.
  3. Theft coverage and emergency expense is taken out with Wakam. Wakam is a limited company registered with the Paris Trade and Companies Register (Registre du Commerce et des Sociétés) under number 562 117 085 operating through its UK Branch whose principal place of business is 18th & 19th Floors, 100 Bishopsgate, London, EC2N 4AG. Authorised and regulated by the Autorité de Contrôle Prudentiel et de Résolution. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority's website
  4. Bike insurance is a non-life insurance product (Branch 3).
  5. This contract is entered into for a period of one year. The contract may be renewed four times for four further periods of one year each.
  6. This insurance contract is subject to the laws of England and Wales.