The bicycle must be locked through the frame and any quick release wheels and to a fixed, immovable object that the bicycle cannot be lifted under or over. You must use a nominated lock which is specified in the ‘Sold Secure’ list of bicycle locks, which is appropriate to the insured value of the Bicycle, as shown in the table below:
We must see evidence you have used a ‘Sold Secure’ Lock in the event of a claim for theft where the insured bicycle was left unattended away from your home. This will include original dated purchase receipt detailing the make and model of the lock and/or any other proof of purchase and ownership that can be supplied.
These security requirements are important conditions of the policy. If you do not follow these requirements we will not pay your claim.
The bicycle must be left locked when unattended, in accordance with the lock requirements below, when it is at the following places:
This does not apply if you have bought the Racing & Competitions cover option and the bicycle is in a designated transition area awaiting use or collection during an organised triathlon or duathlon event);
Bicycle Value
Lock Type
Under £1,000
Sold Secure SILVER rated lock or higher
£1,000 and over
Sold Secure GOLD rated lock
These security requirements are important conditions of the policy. If you do not follow these requirements we will not pay your claim.
The bicycle must be left locked when unattended, in accordance with the lock requirements below, when it is at the following places:
- In your house, flat or apartment and left in an area open to the public. Your bicycle does not need to be locked when it is being stored in a fully enclosed and locked building or bicycle storage box.
- In your internal communal hallway on the same floor level as your main place of residence.
- In your communal cycle storage area
- Away from your home storage location and left unattended.
This does not apply if you have bought the Racing & Competitions cover option and the bicycle is in a designated transition area awaiting use or collection during an organised triathlon or duathlon event);
- Attached to a roof rack or bicycle rack or in a vehicle. The roof rack or bicycle rack must be securely attached to a vehicle. You must satisfy these requirements:
- In the vehicle - the bicycle is out of sight and all doors, windows and other openings of the vehicle are left closed and locked and any security features of the vehicle are in operation.
- On the vehicle - the bicycle is secured, as per the lock requirements, to a roof rack or bicycle rack. The roof rack or bicycle rack must be securely attached to the vehicle. All insured property can only be left in a location other than your home storage location for a maximum of 24 hours. All replacement parts not attached and in use on your bicycle and cycle accessories not being used must be stored out of sight and in a locked location or compartment. We do not cover property in an unoccupied home storage location.
