No one wants to lose their pride and joy, so to make sure you're fully covered, and to help prevent your bike being stolen, there's a few requirements that you need to be aware of.
Start by checking out our helpful video
Whenever your bike is required to be locked, you'll need to use an appropriate rated lock that has been approved by Sold Secure - www.soldsecure.com
Which Sold Secure rating do I need?
It's dependent on the 'as new' RRP replacement value of the bike, at the time of purchase, as to which lock rating you'll need:
Bike value up to €300 - Bronze
Bike value €301 - €1700 - Silver
Bike value over €1700 - Gold
The rating is based on the amount of time and the tools required to try to break the lock, so it’s always worth buying the highest rating if it’s in your budget. The higher the rating, the longer it took, if it was actually possible to break! There's some great deals out there, and you can often get a Gold rated lock for the same price as a Silver.
If your Sold Secure approved U lock comes with an additional wire cable, please be aware that the cable is not included in the approved rating, it's just the lock. This means that if you secured the bike through the frame to an immovable object, with the cable only, you wouldn't be covered!
Which style/type of lock do I need to use?
The most important thing is that it is of the correct rating for your bike's value and would allow you to lock your bike through the frame to an immovable object.
This is a requirement of the policy, so you must use a lock that is suitable. The style or type of lock you need to use is down to your own preference and dependent on which one is most convenient for you to carry and use.
Again, if your Sold Secure approved U lock comes with an additional wire auxiliary cable, please be aware that the cable is not included in the approved rating, it's just the lock. This means that if you secured the bike through the frame to an immovable object, with the cable only, you wouldn't be covered!
The locking requirements are dependent on where your bike is at the time, so we've highlighted the main points below.
While at 'Home'
Whenever your bike is left unattended at a location we define as home, it needs to be:
- kept inside and any security devices are in operation; or
- stored within a private garage, privately accessed wooden, plastic or aluminium shed within the boundaries of the home and you have complied with the following security requirements:
- all external doors must be secured by a minimum of a 5 lever mortice deadlock to BS3621 standard or a 5 lever padlock; or
- the cycle must be secured through the frame by an approved lock to an immovable object within the building; or
- secured through the frame by an approved lock to an immovable object within the building when at your home, in any location which is described as a communal hallway or communal outbuilding.
While 'away from home'
Whenever you're away from the home, you'll only be covered if:
- the cycle is not left unattended;
- where the cycle is left unattended, it must be secured to an immovable object by an approved lock through the frame;
- any access to the cycle is effected by forcible and violent entry;
- the cycle is not left unattended within the boundaries of a train station, bus station, coach station or your permanent place of employment, for more than 24 hours and subject to conditions (2.) and (3.) above.
We appreciate that you'd never get your PB if this applied to every situation so, if the cycle is within the transition area of an organised competitive triathlon or duathlon or the pit area of an organised competitive cyclo-cross event, that you are competing in, (2.) does not apply.
In or on a vehicle
There are different requirements depending on the time of day, and these are detailed below:
Between the hours of 6am and 9pm:
- all doors, windows and other openings of the vehicle and cycle rack are left closed, securely locked and properly fastened;
- access to the cycle must have been effected by forcible and violent entry;
- any security devices installed in the vehicle and cycle rack are in operation;
- the cycle is fully contained within the motor vehicle or secured by an approved lock through the frame to the roof or cycle rack attached to the motor vehicle.
Between the hours 9pm and 6am:
- any cycle which is locked on to the exterior of the vehicle (e.g. by roof or rear cycle rack) must be removed between the hours of 9pm and 6am and fully contained within the vehicle, or kept securely in accordance with the policy terms and conditions;
- if the cycle is left in the vehicle between the hours of 9pm and 6am the cycle must be covered up so that it is not visible to persons outside of the vehicle.
Also, to ensure that you're fully covered, the vehicle used must have:
- valid motor insurance; and
- a valid NCT certificate where applicable; and
- current motor tax where applicable; and
- all windows must be capable of being securely fastened and locks must be capable of rendering the vehicle secure; and
- a Thatcham category 1 alarm/immobiliser or category 2 immobiliser or category 3 steering lock.
One last thing, don’t forget to list your lock, along with your bike, in your ‘Kit list’, and include a photo or receipt for proof of ownership too: Update your 'kit list'
Key words: security, secure, storage, store, car