Selecting the best bike lock in your insurance coverage coverage
In the case of bike safety, deciding on 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 totally protected, we have now particular lock necessities in place. Let’s discover what works finest for you.
Not all locks are created equal
At first, any lock used underneath a Yellow Jersey Insurnce coverage should be independently examined and rated by Offered Safe. In case your lock doesn’t carry a Offered Safe ranking, we’re unable to supply protection in your bike. Solely locks rated Silver, Gold, or Diamond are accepted:
Silver – Appropriate for bikes valued as much as £1,500, providing a primary stage of safety.
Gold – A powerful deterrent, required for bikes value greater than £1,500.
Diamond – The very best stage of safety, designed to face up to even probably the most aggressive theft makes an attempt, supreme for high-crime areas.
Which lock kind is finest for you?
Selecting a lock isn’t nearly safety, it additionally must be sensible. A lock that doesn’t suit your typical locking location is not 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, comparable to lamp posts or wider railings. A high-quality chain with a strong lock is a wonderful 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 ideal choice 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 conventional chain lock however with added flexibility that it may be worn. The additional size means that you can safe each the entrance and rear wheel collectively, stopping wheel theft.
Locking cargo bikes
Cargo bikes current a singular problem as a consequence of their measurement and form. An extended chain lock mixed with a long-reach D-lock is commonly the most effective answer. If crucial, a number of permitted locks will be daisy-chained collectively for added attain. Keep away from unrated accent cables: They’re straightforward to chop, supply minimal safety and will not be lined by our coverage.
The way forward for bike safety
For these in search of 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 customary for bike safety. If most safety is your precedence, investing in considered one of these could possibly be a wise transfer. Bonus-Hiplok merchandise are out there at a reduced price when buying bicycle insurance coverage from Yellow Jersey.
Different necessary concerns
Proudly owning the suitable lock is just a part of the equation. You additionally want to have the ability to show you had it. Thieves usually take lower locks with them, so we require proof of buy, comparable to a receipt in your lock. Moreover, locking your bicycle appropriately by the body to an immmovable object is crucial.
What we don’t settle for
To make sure your bike stays totally lined, we don’t settle for the next:
Accent Cables – Many D-locks are bought with a light-weight cable, however these will not be security-rated. They’re straightforward 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 ranking, it received’t be lined underneath our insurance policies. there no exceptions to the rule on this, sorry.
By deciding on an permitted lock and following the proper safety measures, you possibly can preserve your bike protected whereas making certain your insurance coverage stays legitimate. Ensure your lock meets the usual, as a result of the suitable lock makes all of the distinction. Nonetheless undecided if in case you have the suitable lock or want some assist? Contact Yellow Jersey Assist right here.
