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You should insure your cycle for the full Recommended Retail Price.
Please refer to our FAQs below for more information.

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HomeBicycle InsuranceBicycle InsuranceTypes of Lock we Require

Types of Lock we Require

The Type of Locks we require

A lock which at the time of purchase by you was specified in the Master Locksmiths Association (MLA) ‘Sold Secure’ list of Cycle locks and which at the time of the purchase by you was appropriate to the value of Your Cycle(s) in accordance with the classification of locks determined by the MLA ‘Sold Secure’ list.

Bronze Rated Lock: Bicycles, inclusive of any fixed Accessories, that have an insured value of less than £1500

Silver Rated Lock: Bicycles, inclusive of any fixed Accessories that have an Insured value of between £1,501- £2,500.

Gold Rated Lock: Bicycles, inclusive of any fixed Accessories that have an Insured value exceeding £2,500

Any good cycle shop should be able to sell you one of these locks or you could try here.

Cycles Uk Locks

Best Cycle Locks

For more information on the locks require, please refer to this document

Types of Lock available

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Why choose our specialist insurance cover?

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Lloyd's of London coverholders icon-thin-chevron-down

We hold prestigious Lloyd’s of London cover holder status where most of our policies are underwritten. We also place business with major UK insurers

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Accidental Damage & Theft Included icon-thin-chevron-down

The two “must have” covers are both included in our policy. Loss of your cycle by “Theft” is provided at, and away from your home.

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Legal Expenses - Included icon-thin-chevron-down

We provide £100,000 of cover. This is essential for persons using their cycle on busy roads and can help with making a claim for injury or damages against a third party.

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Replacement Cycle Hire - Included icon-thin-chevron-down

Ideal if you need your cycle to travel to work or to take part in an event such as Cyclo-Cross or a Triathlon and your own cycle is unavailable following theft or damage.

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Accessories, Helmets & Clothing - Included icon-thin-chevron-down

Inclusive insurance for your cycle accessories or specialist helmets & clothing. You can increase the sum insured limits if required

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Public Liability - Optional icon-thin-chevron-down

Protects you against claims from a third party which could include; a pedestrian, another cyclist or a motorist. Choose from either £1 million or £2 million cover

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Personal Accident - Optional icon-thin-chevron-down

Provides you with a capital sum if you are involved in a serious accident whilst using your cycle. You can choose a level of cover to suit your needs.

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European Use - Optional icon-thin-chevron-down

For a small additional premium, you can extend your policy to cover you for up to 45 days use in the European Union.

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Competition Use - Optional icon-thin-chevron-down

You can extend your policy to include cover whilst using your cycle to take part in competitions such as cyclo-cross or triathlons