Home security: Securing your bike
When it comes to securing your bike in the home, getting it right is vital to ensure your insurance is valid. To help, we’ve written some handy guidelines for Cycling UK members on how to best go about it.
This is to make sure that your bikes always protected, even on an indoor trainer!
Home vs “away from home”
Insurance is super specific. What you call “Home” we call a lockable
- House
- Garage
- Outbuilding or shed
Within the boundaries of your private dwelling. It’s the lockable bit which is important. If you can lock it within your “Home”, Bikmo will protect it.
Not all insurers have the same requirements, so double check if your bike your policy wording if your bike is insured with your home insurance or another provider.
If you’re storing your bike(s) in a location that is not classed as “Home” then there are additional locking requirements that would need to be met, in order for your policy to cover a theft.
Check out our handy “away from home” locking requirements video below and our full locking requirements here.
How to secure your bike in your home
When locking your bike at home, it’s advised to lock it to an “immovable object”… but what is an immovable object?
Examples of Immovable objects
- Concrete or cement floors
- Metal structures
- Fixed walls – does not include wooden walls of outbuildings such as sheds
- Ground anchors – must be appropriately installed to an immovable object or structure
- Large concrete blocks
When securing your bike at home, for most cycle insurance providers there are no requirements for further security. There are however some nifty storage solutions, which will add extra security for your peace of mind.
From a purely practical sense, wall-mounted systems free up floor space and often feature locking points. Plus displaying your bike like a piece of art is always a good thing in our opinion. A super simple and great example of this is Hornit’s CLUG.
For extra security, products such as a Cycloc Solo allow for a lock to be threaded through wall mounts to secure your bike to it.
How to secure your bike in your garage
Garages are great storage spaces for many things other than cars, and bikes are no exception. Securing your bike within your lockable garage is a good way to save space in the house. In many ways, practical methods of storing bikes in a garage are similar to within the house.
Wall-mounted systems and bike racks can help free up space and offer a point to add extra security.
A garage also offers the opportunity to add further security measures such as ground anchors. Any ground anchors that have a Sold Secure rating are perfect for additional protection against theft.
How to secure your bike in your shed
If storing bikes is not possible within your house or a garage, a lockable shed made of wood, metal or plastic is a great option for securing your bike. A shed made of other materials would not meet our definition of “Home” under a Bikmo policy, so additional locking requirements would need to be met.
Whilst storing bike(s) in a lockable shed is covered under a Bikmo policy, they’re generally at a higher risk compared to within a house or garage.
A shed is a great storage spaces for bikes. They’re often relatively cheap to build, easy to maintain and will free up space within your other areas of the house. Similar to storing bikes within a garage, wall-mount systems and ground anchors (on a concrete floor) are perfect ways to increase the security within a shed.
Why cycle insurance for my bike?
It’s worth checking your home insurance policy, as it may not provide the cover you require, such as:
- Maximum value – the maximum insured bike value can be as low as £500
- Away from home – there’s also often an ‘abandonment clause’ that classes bikes as ‘abandoned’ after only a few hours cycling away from home
- Excess costs – home insurance excesses, or premiums increasing the event of a claim ,can mean it’s not worth claiming for your losses
Save 10%* as a Cycling UK member on Bikmo’s award-winning cycle insurance
At Bikmo, we believe you shouldn’t have to stress about unexpected mishaps. That’s why our award-winning cycle insurance policies can cover your bike, kit and gear against:
✅ Theft
✅ Accidental damage
✅ Returning home and alternative cycle hire cover
Plus, Cycling UK members benefit from
- 10% saving* on full insurance policies
- 25% saving* on e-bike premiums compared to regular bikes
- 50% saving* when insuring multiple bikes, with the discount applying to the lowest value bike(s)
- 14 days FREE insurance on all new bikes (activation required)
Enjoy every ride knowing you’re protected, even when the roads let you down. 🚴♂️✨
Why Bikmo?
🚴♀️ Tens of thousands of riders insure with Bikmo
⭐ Bikmo holds the prestigious Feefo Platinum Service Award for great service
🌎 Bikmo is a B Corp and 1% for the Planet certified, meaning we give 1% of our annual revenue back to good causes focussed on the environment.
*Minimum premium £3.73/mo and policy wording applies. Terms and conditions apply. This promotion is provided by Bikmo Limited who are authorised and regulated by the Financial Conduct Authority ref: 745230.
