Selecting the best bike lock to your insurance coverage coverage
In the case of bike safety, choosing the proper lock is simply as essential as how and the place you utilize it. There’s nothing worse than having an insurance coverage declare denied just because the lock didn’t meet the required requirements or the bike wasn’t correctly secured.
To make sure your bike is absolutely protected, now we have particular lock necessities in place. Let’s discover what works greatest for you.
Not all locks are created equal
In the beginning, any lock used beneath a Yellow Jersey Insurnce coverage have to be independently examined and rated by Offered Safe. In case your lock doesn’t carry a Offered Safe score, we’re unable to supply protection to your bike. Solely locks rated Silver, Gold, or Diamond are accepted:
Silver – Appropriate for bikes valued as much as £1,500, providing a fundamental stage of safety.
Gold – A robust deterrent, required for bikes value greater than £1,500.
Diamond – The very best stage of safety, designed to resist even essentially the most aggressive theft makes an attempt, splendid for high-crime areas.
Which lock sort is greatest for you?
Selecting a lock isn’t nearly safety, it additionally must be sensible. A lock that doesn’t suit your typical locking location isn’t any good, regardless of how robust it’s. Right here’s a breakdown of the best choices:
Chain Locks – These supply flexibility, permitting you to safe your bike to a variety of objects, resembling lamp posts or wider railings. A high-quality chain with a strong lock is a superb alternative, particularly when locking a number of bikes collectively or securing your bike to one thing like a vehcile mounted bike rack.
D-Locks – Identified for his or her excessive safety, D-locks are an awesome possibility for those who’re locking as much as a typical Sheffield stand, steel railing, or slender put up. Nonetheless, they are often restrictive in areas the place locking factors are restricted.
Wearable Locks – A series lock that yo can put on. Easy! Wearable locks present all the safety of a standard chain lock however with added flexibility that it may be worn. The additional size permits you to safe each the entrance and rear wheel collectively, stopping wheel theft.
Locking cargo bikes
Cargo bikes current a novel problem on account of their dimension and form. An extended chain lock mixed with a long-reach D-lock is usually one of the best answer. If needed, a number of authorised locks will be daisy-chained collectively for added attain. Keep away from unrated accent cables: They’re simple to chop, supply minimal safety and should not lined by our coverage.
The way forward for bike safety
For these on the lookout for the hardest safety, Hoplok’s vary of D collection lock is a game-changer. Designed to withstand even angle grinder assaults, these high-tech locks set a brand new commonplace for bike safety. If most safety is your precedence, investing in considered one of these might be a sensible transfer. Bonus-Hiplok merchandise are obtainable at a reduced charge when buying bicycle insurance coverage from Yellow Jersey.
Different necessary concerns
Proudly owning the suitable lock is barely a part of the equation. You additionally want to have the ability to show you had it. Thieves usually take minimize locks with them, so we require proof of buy, resembling a receipt to your lock. Moreover, locking your bicycle accurately via the body to an immmovable object is crucial.
What we don’t settle for
To make sure your bike stays absolutely lined, we don’t settle for the next:
❌ Accent Cables – Many D-locks are bought with a light-weight cable, however these should not security-rated. They’re simple to chop and may solely be used as an extra deterrent, not as a major lock.
❌ Non-Rated Locks – If a lock doesn’t carry a Offered Safe score, it gained’t be lined beneath our insurance policies. there no exceptions to the rule on this, sorry.
By choosing an authorised lock and following the proper safety measures, you may preserve your bike protected whereas guaranteeing your insurance coverage stays legitimate. Be sure that your lock meets the usual, as a result of the suitable lock makes all of the distinction. Nonetheless undecided you probably have the suitable lock or want some assist? Contact Yellow Jersey Help right here.
