Cycle Security Requirements

Minimum security requirements for the Eversure cycle Insurance policy.

Security requirements where the cycle is at the insured location

Accidental or malicious damage to or theft of the cycle whilst at the home shall only be covered in circumstances where the cycle is;

• kept inside the insured location with all security devices in operation and there must be evidence of forcible or violent entry or exit. If stored in communal areas the cycle must be secured through the frame by an approved lock to an immovable object.
• If kept inside a private garage, wooden, plastic or aluminium shed within the boundaries of the insured location the door must be fitted with a 5-lever mortice deadlock or 5-lever padlock or the cycle must be secured through the frame by an approved lock to an immovable object.

Security requirements where the cycle is away from the insured location

Accidental or malicious damage to or theft of the cycle whilst away from the home shall only be covered in circumstances where;

• The cycle is not left unattended, unless it is secured through the frame by an approved lock to an immovable object (it must not be unattended for more than 24 hours, and there must be evidence of force and violence used to take or access the cycle).

Security requirements where the cycle is in or on a vehicle

Theft whilst the cycle is in or on a vehicle shall only be covered in circumstances where;

• The vehicle must be securely locked with a factory/professionally fitted alarm and immobiliser in operation and there must be evidence of forcible or violent entry. Where possible the cycle should be out of sight.
• if the cycle is left in or locked on to the vehicle between the hours of 9pm and 6am the vehicle must be fitted with a:
  • Thatcham category 1 alarm/immobiliser, or
  • category 2 immobiliser or
  • category 3 steering lock
  If any such category 1 and 2 device is not factory fitted, it must have been installed by a member of the Vehicle Security Installation Board and evidence of such must be provided in the event of a claim.
• When you are outside the United Kingdom where it is impossible to comply with the Thatcham security requirements, theft shall only be covered if the vehicle is fitted with a factory fitted alarm or immobiliser and evidence of its existence must be provided in the event of a claim.
• If the cycle is on a cycle or roof rack, the cycle must be secured through the frame by an approved lock to a roof/cycle rack which is properly attached to the vehicle. All doors, windows and other openings of the vehicle and cycle rack must be left closed, securely locked and properly fastened. Any security devices must be in operation.
• The vehicle must be road legal and insured.