We all know the basics when it comes to bike security, but still bike theft continues to rise in the UK. In 2019, 296,000 bikes were reported stolen in the UK*, which is 4 TIMES the number of cars reported stolen in the same period. This is a staggering number considering bike travel only accounts for 1% of all journeys taken in the UK**.

If you’re reading this, chances are you’ve either bought cycle insurance or you’re thinking about it – so you understand its importance when it comes to protecting yourself financially against theft. What you may not know, however, is that there are certain rules that MUST be followed in order for your bike to be covered if it’s stolen.

How must my bike be secured in order to be covered?

Security requirements differ from insurer to insurer, however ours are as follows:

When your bike’s away from your home

When leaving your bike unattended away from your home, you need to ensure it’s secured…

  • to an immoveable object
  • through the frame of the bike and any quick release wheels
  • using an approved bike lock

When your bike’s at your home

When storing your bike at home, you need to ensure it’s either…

  • locked inside your house/flat/private room,
  • locked inside your garage/outbuilding/shed, or
  • secured to an immoveable object in a communal hallway or outbuilding through the bike frame and any quick release wheels using an approved lock

For full information on our cycle insurance security requirements, please read pages 7 & 8 of our Policy Wording.

What’s an Approved Cycle Lock?

An Approved Bike Lock is a lock that’s been given either a Bronze, Siler, Gold or Diamond rating by Sold Secure; an independent lock accreditation company. The rating of lock that you’ll require depends on the bike’s value at the time of purchase. For more information on this, please visit our Approved Bike Lock page.

What else can I do to deter thieves?

You can deter thieves further by registering your bike with BikeRegister.com, who are part of the Secure By Design police security initiative, and labelling your bike using one of their security marking kits. These kits come with warning labels which inform thieves that your bike is registered with BikeRegister - meaning police forces can instantly check whilst on patrol whether a bike is registered stolen by checking the BikeRegister ID on the bike. These codes can be applied to bikes using a tamper-proof label, visible etching and invisible (UV) etching depending on which product best suits your needs.

**Source: Cycling UK's Cycling Statistics , November 2019
*Crime Survey for England and Wales (CSEW) bicycle theft statistics, April 2019 - March 2020