Locking & Security Guide




  • Mark Elsdon

    I don’t think I have my receipt still
    For my locks but both are SOld Secure Silver rated. One I bought with the bike via my Cyclescheme and I picked up a second later on in a deal. I have one at home and one at work. Just need a small one that can be carried but still rated Silver so I can stop for a pint when I’m on a fun ride out.

    I think I included my lock in my policy - not sure I have photos uploaded on this policy or not. How do I find out as I’ve had this policy for awhile.

    The question id like to see made clear is what is the definition of an immovable object. I asked my previous insurer and they couldn’t decide. I bought an anchor bolt to fix to my breeze block garage wall so that I had an object to fix my local lock to. There were lots of discussions on what constitutes an acceptable brick or block material to fix the anchor to. I can't change the block work!

    Also, it wasn't clear how immoveable was deemed immoveable. With enough time and effort everything is moveable. These anchor blocks require tools to remove them from a wall. Whether that's using a lever to wrench it off the wall or finding a suitable Allen key to unscrew the anchor - I do not know if that is immoveable enough? The anchor company supply ball bearings that can if desired be hammered into the head of the fixing wall bolts. I really don't want to go that far in case I need to reposition at anytime in the future. Security is all about deterring and delaying theft. Not fully preventing it which is near impossible to a determined thief.

    Your thoughts on this would be appreciated and perhaps some photos of good examples on how to secure a bike outside and in a garage.

    Finally, I've a new bike that I need to insure. It's currently kept inside my house. If insure it and keep inside - is it insured if it'd not locked

  • Tony Whittaker

    My bike tips the scales at 7.1kg I am hardly going to carry a Gold Sold Secure D shackle around with me. Not goingvto happen. Also I have heard the bikmo policy does not cover cosmetic damage. So why am I paying over £200 plus? Prob wont bother next year.

  • Keith Jones

    Hi James,

    Yes, provided that the bike is completely contained within the car, and the car is fully locked with all security protections in force, whenever your bike is left unattended, and the theft is a direct result of violent and forcible entry to the car by the thieves.

    Whilst in your car, you are covered for up to 24 consecutive hours.

    Cheers, I hope this helps.

  • scott davis

    Keith could you please send me a copy of the e mail you sent to Mark Elsdon .I have the same queries and would be grateful for some advise


  • Keith Jones

    Hi David,

    I have sent you a direct email with a more detailed explanation.


  • Keith Jones

    Hi Tony,

    We're not suggesting that you need to carry the lock around with you at all times; if you don't leave the bike unattended, there's no need to lock it...and you wouldn't get any Strava KOMs if you did!

    I'm not sure who you've been listening to either, but we do cover cosmetic damage within the accidental damage cover of your policy.

    If there's anything else you need clarifying, we're always on the end of an email or phone call.


  • stephen james mackenzie

    Hi - I have the same question as several of the others above (could you give everyone the answer?) - When secured in a garage with only one door and no windows, can you define what would be acceptable in terms of attaching bikes to the garage internally and what sort of garage door lock is acceptable. The premiums are a lot of money but worth it in case of theft, but not if I void the cover by not securing in the right way. 

    Also - I lock my bike in the back of my van when I am travelling - is there any cover for this or should I ensure this is included in my vehicle insurance policy?

    I am a BC member and would purchase the BC insurance so if any of your answers would be different please bear that in mind - thanks.


  • Keith Jones

    Hi Darren,

    As requested, I have sent an email to you directly.


  • Darren Chappell

    Hi could you send me an email also please regarding locking bikes in the garage? Also I have a couple of bikes in the house are they meant to locked to a immovable object too? I know insurance companies it is a requirement but some say it isn’t a requirement to lock it in the house.


  • Keith Jones

    Hi Mark,

    Thanks for the feedback. To answer all of your points, I've sent you an email directly.


  • Keith Jones

    Hi Steve,

    Our locking requirements are quite simple for both of the scenarios you've mentioned, and apply to both our Bikmo and British Cycling products.

    Provided that your garage is within the boundaries of your private dwelling, there is no requirement to lock your bike to an immovable object with a Sold Secured correctly rated lock, as long as the garage is locked and normal security protections are fully operative and in force, whenever your bike is left unattended, and the theft is a direct result of violent and forcible entry to or exit from the garage.

    Whilst in you van, you are covered for up to 24 consecutive hours, provided that the bike is completely contained within the van and the van is fully locked with all security protections in force, whenever your bike is left unattended, and the theft is a direct result of violent and forcible entry to the van by the thieves.

    Sorry it's a bit 'wordy', but I hope this helps clarify things for you (and everyone).




  • David Reade

    And me! What is classed as unmovable and does the bike have to be locked to an unmovable object at home in my locked garage?

  • Octaviawilks1

    Hi Keith,

    I have an oxford gold sold secure D lock that i bought years ago however I no longer have the receipt. I may still have the information pack it came with that explains how to register the lock online for warranty purposes (which unfortunately i never did). Would this be sufficient evidence as proof of purchase. Alternatively, if I am still able to register the lock for warranty purposes would this count as proof of purchase sufficient to set up insurance?



  • James Currer

    Hi Keith,

    Does the policy cover keeping the bike inside a locked car?



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