Having your bike stolen is every cyclist’s worst nightmare. Bike thieves can be determined, so you need to do everything you can when you’re securing your bike to make it as difficult as possible to steal.

As well as securing your bike with a Thatcham approved or Sold Secure rated lock, we also detail certain security requirements in our policy wording for locking up your bike in different scenarios, such as at work and in and around the home. This not only gives you the best chance of keeping your bike safe, but also means that you’ve met all of our general security requirements in the unfortunate event you need to make a claim.

To make things simple, below we’ve listed some simple points to follow when securing your bike in a variety of different scenarios:

Storing your bike at home

At home when you live in a private house

Point 1
The bike can never be left outside.

Point 2
The bike must be kept inside. This can include the house, a garage, a wooden shed and a steel bike container.

Point 3
If the bike is inside the house you do not have to chain or lock it up. However, all doors and windows must be locked so that potential thieves would have to use force and violence to enter your home.

Point 4
If the bike is inside a garage, shed or container, they must be solid e.g. keeping it in a tent will not count (people have tried!) and there are two options to secure it:

  1. Lock the bike to an immovable object within the garage, shed or container, such as a ground anchor. The lock must meet our bike lock requirements.
  2. Use a 5-lever mortice dead lock or a 5-pin padlock on the door of the garage, shed or container.

Again, all doors and windows to the shed, container or garage will need to be locked so that potential thieves would have to use force and violence to break in.

At home when you live in a flat

Point 1
The bike can never be left outside of the flat, even if it is secured with a chain or lock to a bike rack or on a balcony.

Point 2
The bike can be kept in a communal hallway inside the building, but it must be locked to an immovable object such as a radiator or metal rail. The lock must meet our bike lock requirements.

Point 3
The bike can be kept in an underground carpark; however, the carpark must be secure, for example a barrier or key is needed to gain entry to the car park. Only residents of the building should have access to the carpark. The bike must then be locked to an immovable object such as a bike rack. The lock must meet our bike lock requirements.

Point 4
The bike can be kept inside a communal bike locker or shed, but the bike must be locked to an immovable object such as a bike rack. The lock must meet our bike lock requirements.

At home when you live in a shared house

Point 1
The bike can never be left outside.

Point 2
The bike must be kept inside (in the house, a garage, a wooden shed, a steel bike container).

Point 3
If the bike is inside the house you do not have to chain or lock the bike up, however it must be kept in your room which has its own lock and key. Your door and any windows must be locked so that potential thieves would have to use force and violence to break in to your room. If you aren’t able to lock your room, see rule 4.

Point 4
The bike can be kept inside any communal area of the shared house e.g. the hallway but it must be locked to an immovable object such as a radiator. The lock must meet our bike lock requirements.

Point 5
If the bike is inside a garage, shed or container, they must be solid. There are two options to secure it:

  1. Lock the bike to an immovable object inside it such as a ground anchor. The lock must meet our bike lock requirements.
  2. Use a 5-lever mortice dead lock or a 5-pin padlock on the door of the garage, shed or container

Again, all doors and windows to the shed, container or garage will need to be locked so potential thieves would have to use force and violence to break in.

Storing your bike at work

Point 1
Do not leave your bike for more than 24 hours.

Point 2
Always lock the bike to an immovable object such as a railing or bike rack. The lock must meet our bike lock requirements.

Point 3
The lock must be secured through your bike frame and any quick release wheels. If you only secure the bike through the wheel, the chances are you will only be left with that wheel when you come back!

Point 4
If your workplace has a shed or building to store bikes, your bike must still be locked to an immovable object within the shed or building. The lock must meet our bike lock requirements.

Storing your bike whilst out

Point 1
Do not leave your bike for more than 12 hours if left anywhere apart from a train or bus station.

Point 2
Do not leave your bike for more than 24 hours if it is at a train or bus station.

Point 3
Always lock the bike to an immovable object such as a railing or bike rack. The lock must meet our bike lock requirements.

Point 4
The lock must be secured through your bike frame and any quick release wheels. If you only secure the bike through the wheel, the chances are you will only be left with that wheel when you come back!

Storing your bike in a vehicle

When the vehicle is a car

Point 1
All doors, windows and convertible roof of the car must be closed and locked so that potential thieves would have to use force and violence to break in. If you have any additional security such as an alarm or immobiliser, this must also be used to secure the vehicle.

Point 2
The bike can be secured on a bike/roof rack, but it must be locked to the bike/roof rack with a lock that meets our bike lock requirements.

Point 3
The bike can be kept inside of the car, but it must be kept out of sight e.g. a boot. Having the back seats down or a blanket over it won’t count as thieves can still tell what you’re hiding.

Point 4
If you are keeping the bike in or on the car overnight (9pm to 6am), your car must have at least one of the following:

  1. Thatcham category 1 alarm and immobiliser
  2. Thatcham category 2 immobiliser
  3. Thatcham category 3 steering lock

When the vehicle is a van

Point 1
All doors and windows must be closed and locked so that potential thieves would have to use force and violence to break in. If you have any additional security such as an alarm or immobiliser, this must also be used to secure the vehicle.

Point 2
The bike can be kept inside the van, but it must be kept out of sight. This means you must not have windows into the back of the van or be able to see into the back of the van from the front cab. Having tinted windows or a blanket over the bike won’t count as thieves can still see what you’re hiding.

Point 3
If you are keeping the bike in the van overnight (9pm to 6am) it must have at least one of the following:

  1. Thatcham category 1 alarm and immobiliser
  2. Thatcham category 2 immobiliser
  3. Thatcham category 3 steering lock

Storing your bike whilst on holiday

Point 1
If you are leaving the bike in a vehicle you must follow the rules above for “storing your bike in a vehicle”.

Point 2
If you are in a hotel or B&B, you must follow the rules above for Storing your bike whilst out” or “Storing your bike in a vehicle”, depending on where the bike is being kept.

Point 3
If you are in your own private holiday home, caravan, or chalet, you must follow the rules for “Storing your bike at home when you live in a private house” or “Storing your bike in a vehicle” depending on where the bike is being kept.

Point 4
Follow the rules for “Storing your bike whilst out” when you are out and about on holiday.

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