What does the small print say?
The small print? You don’t have to read it all, as we’ve read it for you and set it out clearly ready for you below. This is how you can secure your bicycle properly, so you can count on the protective shield of your theft insurance if it gets stolen. There are four major conditions you need to meet if you want to be covered by the insurance in the event of theft:
- Turn your bicycle into an impenetrable stronghold by invariably using a lock of security class ART-2 type U or security level 10.
- Protect your steel steed like a real treasure – locked up, always and everywhere! Indoors too? Yes, including in your own garage, living room, wash-house, summer-house, etc. Sounds crazy, but prevention is better than cure, eh?
- Secure your two-wheeler to a solid bike rack or another fixed object. This applies to both a bike you store outdoors and indoors. The aim: to make your bicycle inseparable from the fixed object, so only you can free it with your bike lock’s key.
- If fate intervenes and your bike does get stolen, it’s essential that you can always hand over two bike keys. That’s how you prove you’d locked your bike properly. Do you only have one key left? Then the insurance company might shut the book on your repayment.
Are you now thinking: ‘Help, I’ve only got one bike key left’? Read our Theft service sheet and find out what you can do.
Secure your bike properly with these six tips
Ready for a deep dive into the art of securing? With these six tips, you can secure your bicycle in such a way that you’ll be covered by the insurance should an adept bike thief still manage to pinch your steel steed.
1. Use a high-quality bike lock
There’s nothing thieves hate more than a U lock or a high-quality chain lock. These heavy-duty accessories have a reputation among bike thieves of being unbreakable and their robust nature will scare them off.
But what is a high-quality bike lock? There are three major conditions the lock securing your bike needs to meet if you want your bicycle to be covered by the insurance in the event of theft:
- Minimum security class ART-2 type U or security level 10.
- The lock must consist of a chain or be pliable and offer the ability to secure your bike to an external object, such as a pole.
- An electronic lock without two keys is a no-go.
Tip: lease your lock along with your lease bike and ask your local bike dealer for help.
We’ll list several highly reliable locks for you below, which are often chosen by our leasers, for some inspiration:
2. Find the right place to secure it
Just as you sometimes have to spend a good while looking for that perfect parking spot with your car, you’re best off scanning your surroundings for the ideal parking spot as a cyclist too. What does such a good parking place look like? Look for a sturdy, fixed structure that you can secure your bicycle to. This might be a bike rack, a pole, a sturdy metal fence, a tree or even a bracket.
3. Secure your frame and wheel
Take securing your bicycle to the next level and secure your bike not just using the wheel, but also using the frame. The frame is often quite thick, and can’t just be screwed off as a wheel can be. That means amateur bike thieves won’t have the faintest chance! Moreover, it is mandatory to anchor both your wheel and frame according to the insurance.
4. Put yourself in the mind of a master thief
This tip is for cyclists with a bit of imagination. When securing your bike, put yourself in the mind of a master thief. How can you make it as hard as possible for the thief? See if you can secure your bike in such a way that makes it difficult for the thief to saw through. For example, hang the lock at a height where it’s difficult to break it open. #sorrynotsorry thieves!
5. Really go all the way
Alongside the lock included in your lease contact, also use some extra security measures and really go all the way. Why don’t you use an extra lock? Ever thought about a cable? Or how about a bike alarm? The more obstacles a potential thief has to overcome, the less attractive your bicycle will become as a target.
6. Store your bike indoors
Do you have the ability to store your bike indoors? Don’t hesitate to do so! This is the most secure option anyway. And as you know: you need to secure your bicycle indoors too if you want to be covered by the insurance for theft!
Want any more tips for securing your bike against theft? You can read all about it on our blog.
Being aware is half the battle…
You might now be thinking ‘wow, those insurances are very strict’. They are. But know that insurance companies impose those strict rules to protect you. Bicycles are becoming more and more expensive and therefore more interesting to thieves. The latter might go the extra mile to get hold of such an expensive bike.
Should people not anchor their bikes correctly, a lot more bicycles would be stolen. By setting high requirements around anchoring, insurance companies ensure that fewer bikes are stolen and thus insurance premiums do not increase. This way, they prevent you from paying ridiculous amounts of money for your theft insurance.
Now you have all the knowledge and tips for properly securing your bicycle, so it can be covered by the insurance in the event of theft. Those extra few minutes of time for locking your bike up securely really do make the difference between… whether or not it’s covered by the insurance in the event of theft!
Are you leasing an o2o bike? Then it’s important that you always lock up your trusty two-wheeler (including in a locked room) and that you secure your bicycle properly. More information can be found in our Theft service sheet.