ENRA

What ENRA does

ENRA verzekeringen bv is a Dutch specialist insurance company founded in 1981 and headquartered in Grootebroek, Netherlands. The company focuses exclusively on two-wheeler insurance — bicycles, e-bikes, e-cargo bikes (e-bakfietsen), racing and mountain bikes, highspeed e-bikes (speed pedelecs), mopeds/scooters, and mobility/disability vehicles (scootmobielen, including Canta) — with tiered coverage options spanning WA (liability), theft-only, Casco (damage and theft), Connected (with mandatory track-and-trace for bikes ≥€4,500), and Optimaal (comprehensive). The company holds an AFM intermediary license (12008213) and operates as a volmacht (authorized underwriting agent) for N.V. Schadeverzekering Maatschappij Bovemij, transferring insurance risk to Bovemij while retaining policy administration and dealer relationships.

ENRA distributes products through three channels: (1) a network of more than 2,000 affiliated bicycle dealers (rijwielhandelaren) integrated via the ENRA dealer portal (enraonline.nl) and POS systems, (2) a direct-to-consumer website (enra.nl) for new-bicycle policies within 4 weeks of purchase, and (3) private-label/white-label arrangements such as Bike Totaal Fietsverzekering and own-brand Nationale Fietsverzekering / Nationale Bromfietsverzekering distributed through retail organizations. Revenue is generated entirely from recurring insurance premiums (annual, semi-annual, quarterly, or monthly) plus policy fees (e.g., €7.74 per scootmobiel policy). Add-on services include a Europe-wide pick-up service for e-bikes/casco policyholders, accident and legal-assistance coverage, and (from April 2025) automatic helmet coverage.

ENRA employs approximately 50 people. On 8 January 2026, Bovemij Group announced the sale of its insurance activities — including ENRA — to a.s.r. (ASR Nederland N.V.), with the transaction completing on 1 July 2026. BOVAG (Bovemij's 88% shareholder) and a.s.r. simultaneously established a joint venture for the distribution activities of Bovemij and ENRA. No proprietary technology platform is described in the source material; the technology stack comprises standard policy administration, the ENRA dealer portal, POS integration with dealer cash-register systems, and integration with third-party track-and-trace providers (Tracefy, Loqater, AXA Smartguard, Bosch eBike Smart System, and OEM-Connected systems from Gazelle, Batavus, Sparta, Qwic, Kalkhoff, Freebike, and Dutch-iD).

Name

ENRA

Legal name

ENRA verzekeringen bv

Website

https://enra.nl

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

11–50 employees

Short description

ENRA is a Dutch specialist two-wheeler insurance company founded in 1981, offering bicycle, e-bike, cargo bike, speed pedelec, moped, and mobility-vehicle coverage to individual consumers via 2,000+ bicycle dealers and direct online channels. It operates as a volmacht for Bovemij and was acquired by a.s.r. in July 2026.

Ownership category

akta.pro rank

Product category

Specialty Two-Wheeler Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Bicycle insurance
• E-bike insurance
• Moped insurance
• Specialty two-wheeler coverage
• Vehicle theft protection

Headquarters

HQ city

Grootebroek

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance premiums: ENRA generates revenue through recurring insurance premiums charged to policyholders for coverage of bicycles, e-bikes, bakfietsen, racefietsen/MTBs, highspeed e-bikes, bromfietsen/scooters, and scootmobielen/mindervalidenvoertuigen. Premiums can be paid monthly, quarterly, semi-annually, or annually. ENRA operates as a verzekeringsmaatschappij with a volmacht (underwriting authority) from N.V. Schadeverzekering Maatschappij Bovemij.
2. Policy fees: For scootmobiel insurance, ENRA charges policy fees of €7.74 per policy, inclusive of assurance tax. This covers administrative costs, insurance sticker, policy document, and green card.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

ENRA is a Dutch specialist insurance company that provides two-wheeler insurance products covering bicycles, e-bikes, e-bakfietsen, racing and mountain bikes, highspeed e-bikes (speed pedelecs), bromfietsen/scooters, and scootmobielen/mindervalidenvoertuigen. Offerings include WA (liability), theft, casco (damage), Connected (with track-and-trace), and Optimaal (comprehensive) coverage tiers, complemented by pick-up roadside assistance and dealer-led claims handling.

Product overview

ENRA is a Dutch two-wheeler insurance specialist founded in 1981, now part of Bovemij Group and under acquisition by a.s.r. The company offers a portfolio of insurance products covering e-bikes, cargo bikes, regular bicycles, racing/mountain bikes, speed pedelecs, mopeds, and mobility vehicles. Products are distributed through over 2,000 bicycle dealers across the Netherlands and directly online. The product line includes tiered coverage options (Optimaal, Connected) with add-on services such as pick-up/roadside assistance, helmet coverage, and track-and-trace integration. A dealer portal enables point-of-sale insurance processing.

Differentiator

Problem solved

Functional benefit

Products and services

• ENRA E-bike Insurance Insurance for electric bicycles offering theft, damage, and liability protection with Optimaal and Connected coverage tiers and optional pick-up service. For individual Dutch e-bike owners.
• ENRA E-bakfiets Insurance Insurance for electric cargo bikes. Requires an ART2 second lock for e-bakfietsen, and track-and-trace is required for vehicles valued above €3,500. For Dutch owners of electric cargo bikes.
• ENRA Fiets & Bakfiets Insurance Standard bicycle insurance covering theft and damage for regular bikes and non-electric cargo bikes. Second lock required for bikes valued above €3,500. For Dutch individual bike owners.
• ENRA Racefiets & Mountainbike Insurance Specialized insurance for racing bikes and mountain bikes (including electric versions). Covers theft from locked spaces, robbery, damage, legal assistance, and 24/7 pick-up service. For Dutch owners of racefietsen and mountainbikes.
• ENRA Highspeed E-bike Insurance Insurance for speed pedelecs (high-speed e-bikes up to 45 km/h). Includes WA (liability), theft, and casco coverage options with legal assistance and accident coverage. For Dutch owners of highspeed e-bikes.
• ENRA Bromfiets & Brommobiel Insurance Moped and light motor vehicle insurance with mandatory WA coverage and optional theft, casco, accident, and legal assistance add-ons. Includes pick-up service in the Netherlands. For Dutch owners of bromfietsen, scooters, and brommobielen.
• ENRA Scootmobiel & Mindervalidenvoertuig Insurance Insurance for mobility scooters and disability vehicles (including Canta). WA coverage is mandatory and the policyholder must have a physical limitation for coverage eligibility. For Dutch owners of scootmobielen and mindervalidenvoertuigen.

Quantifiable outcome

• Customers can typically return to cycling within 3 days after a claim (as per customer testimonials for damage claims).
• +3 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration17 records

Partnerships

Ten partnerships are on record, tiered flagship, core and minor.

• BOVAGflagshipStrategic or Co-development Partner · 8 January 2026BOVAG is the majority shareholder (88%) of Bovemij Group and, following the acquisition by a.s.r., is forming a joint venture with a.s.r. for the distribution activities of Bovemij and ENRA. BOVAG also takes full ownership of RDC, Autotrust, and viaBOVAG.
• N.V. Schadeverzekering Maatschappij BovemijflagshipOthers · 8 January 2026Bovemij is ENRA's parent company and insurance underwriter. ENRA acts as a bemiddelaar and gevolmachtigde (agent and authorized representative) for Bovemij's insurance products. The acquisition by a.s.r. means Bovemij's insurance activities — including ENRA — transfer to a.s.r. as of 1 July 2026.
• Bike TotaalcoreChannel Partner/ Reseller/ DistributorBike Totaal is a major bicycle retail chain in the Netherlands that distributes private-label bicycle insurance under the name 'Bike Totaal Fietsverzekering', underwritten by ENRA. This partnership enables Bike Totaal to offer branded insurance products to its customers through its store network.
• TracefycoreTechnology or IntegrationTracefy provides GPS track-and-trace modules for e-bikes that ENRA approves as a compatible security device. Policyholders with e-bikes valued at €4,500 or more are required to have an activated track-and-trace system; Tracefy is one of ENRA's approved providers for this purpose.
• LoqatercoreTechnology or IntegrationLoqater provides track-and-trace modules for e-bikes that are approved by ENRA for use in its Connected insurance products. Loqater is listed as an approved 'in te bouwen' (aftermarket) track-and-trace system alongside Tracefy.
• Stichting VbV (Verzekeringsbureau Voertuigcriminaliteit)minorStrategic or Co-development PartnerStichting VbV handles vehicle crime registration in the Netherlands. ENRA refers customers to Stichting VbV for the digital theft reporting process for motorcycles, scooters, and speed pedelecs.
• Dynamo Retail GroupminorChannel Partner/ Reseller/ DistributorDynamo Retail Group appears as a partner logo on ENRA's homepage, suggesting a retail partnership for insurance distribution.
• S.A.F.E. (Stichting Aanpak Fiets- en E-bikediefstal)minorStrategic or Co-development PartnerS.A.F.E. is the foundation behind the 'Staat-E-Lekker' anti-theft awareness campaign. ENRA co-initiated this campaign with other insurers and the Centrum voor Criminaliteitspreventie en Veiligheid. The campaign is designed to raise awareness about proper bicycle locking and reduce theft rates.
• Stichting ARTminorStrategic or Co-development PartnerStichting ART (Stichting Algemeen Randmeubelkeuringsinstituut, i.e., the Dutch Foundation for ART-certified locks) sets the standard for bicycle lock certification in the Netherlands. ENRA mandates ART2-approved locks as a condition of its theft insurance and works with Stichting ART to communicate lock requirements to policyholders.
• TracefyminorGTM or Marketing PartnerTracefy is featured in the 'Staat-E-Lekker' campaign video, where Tracefy's representative Jeroen explains the benefits of track-and-trace modules for e-bikes and what happens when a tracked bike is stolen, highlighting the integration with ENRA's Connected insurance coverage.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key highlights6 records

Customer concentration

• Xx.com/enraverzekering

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ENRA