Fatbikes, with their characteristic wide tyres, have become a familiar sight on our streets. For some, they are a status symbol or simply a relaxed, sturdy bicycle. For others, they are a frightening sight on the road: a threatening and fast bicycle that seems to be an accident waiting to happen. Accidents involving young people on fat bikes are often in the news. Does this sense of danger match reality? Is a fat bike actually a bicycle or a motor vehicle? And what are the legal implications if something goes wrong?
In this blog, I will write more about the position of the victim. This could be the rider of the fat bike, another road user who was hit, or the relatives of a victim who died.
Research shows...
First, a few facts about this wide-track vehicle. In 2025, Mobycon conducted research on behalf of the Ministry of Infrastructure and Water Management. This research shows that:
- Fatbikes populair zijn onder jongeren, omdat een helm en rijbewijs niet verplicht zijn.
- Fatbikes goedkoop en vaak een statussymbool zijn. Het worden er steeds meer in het verkeer.
- Informatie afkomstig van de spoedeisende hulp afdelingen (SEH) van ziekenhuizen aantoont dat de aantallen gewonden bij fatbike-ongevallen sinds 2023 sterk stijgen.
- Jongeren op fatbikes vaker risicogedrag vertonen dan volwassenen en daarmee de kans op ongevallen toeneemt.
- Meer dan de helft van de fatbikegebruikers harder rijdt dan de toegestane 25 km/u.
- Dat 15% op een opgevoerde fiets blijkt te rijden.
- Bij slachtoffers die een ongeval krijgen met een fatbike vaak hersenletsel voorkomt.
Accident involving a fat bike: who is liable?
You can ride a fat bike at any age and without a helmet, because according to the law it is equivalent to an electric bike. A fat bike has a standard power output of no more than 250 watts and pedal assistance up to 25 km/h. It is therefore not a motor vehicle, unlike a speed pedelec. As a fatbike rider, you are not required to take out insurance (but it is recommended!). This does not mean that fatbike riders cannot be held liable or required to pay compensation in the event of a traffic accident.
Suppose Dax is riding a fat bike through a red light and hits a pedestrian who is not at fault. In that case, Dax is liable for the damage suffered by the pedestrian. The insurer may compensate for the damage, but without insurance, Dax will have to pay for it himself (or, if he is young, his parents will be liable). If the pedestrian or cyclist has (also) committed a traffic offence, Dax may still be liable and may have to compensate for part of the damage.
Stel dat Dax degene is die hersenletsel oploopt doordat hij op zijn fatbike wordt aangereden door een motorvoertuig zoals een auto. De auto is wél verplicht WAM-verzekerd en ook aansprakelijk. Als er geen sprake is van overmacht, zal de gemotoriseerde in ieder geval 50% van de schade moeten vergoeden aan Dax. Als Dax jonger dan 14 is, is dat zelfs 100%.
The damage must therefore also be compensated (in part) if Dax himself made a traffic error, because Dax on his fat bike (an electric bicycle) is considered vulnerable compared to a motor vehicle.
What if a fatbike is souped up?
A souped-up fat bike carries a considerable risk: the chance of accidents and injuries is greater. However, it is not possible to claim on insurance (if you have it), because liability insurance (AVP) does not usually cover this. The victim will then have to take legal action against the rider of the fat bike themselves. In some cases, the victim may also be able to claim compensation from a special fund.
Dax, who hit a pedestrian or another cyclist, will therefore have to pay compensation himself (or his parents will have to pay). This can be quite costly in the event of serious injury, as the consequences of brain damage, for example, can be lifelong and therefore often have significant financial implications.
If Dax himself has an accident involving a motorised vehicle, he can still claim compensation for his damages. However, part of the costs will remain his responsibility as “own fault”, since a souped-up fat bike is a violation of traffic regulations. The situation is different if Dax is younger than 14, because in that case full compensation is the starting point.
Thus...
Ultimately, every traffic accident is unique. Beer Advocaten has years of experience with liability in traffic accidents, including those involving new vehicles such as fat bikes and biros. If you have been the victim of an accident involving a (special) vehicle, please feel free to contact our office.
