Will Your Bike Lock Get Your Insurance Claim Paid?
Lock Your Bike is a UK bicycle-security resource that records which locks each UK cycle insurer actually accepts, and at which bike value, so riders can confirm their lock meets their policy's requirements before a theft claim is refused.
10 UK insurers with verified, source-cited lock requirements
5× spread in the bike value at which a Gold lock becomes mandatory
£1k-5k range of that Gold-lock threshold, from Pedalsure to cycleGuard
0 figures we invent: every requirement is quoted from the insurer’s own wording
The USP
Every lock we cover states its exact Sold Secure rating alongside the named UK insurers
that accept it at a given bike value, taken from each insurer’s own published policy
wording and re-checked quarterly.
Start with your bike
E-bike Electric bike insurance The lock rule that changes the most at typical e-bike values. MTB Mountain bike insurance Off-road exclusions, and the lock requirement away from the trail. Pedal Push bike / pedal bike insurance Standard bike cover, cost, and the lock condition attached to it. General Cycle insurance How UK cycle insurance works, for any bike type. Theft cover Bike theft insurance What theft cover actually includes, and the evidence insurers ask for.
The evidence layer
The USP Cross-insurer lock requirements Every UK insurer’s minimum lock rating, by bike value, cited to their own wording. Ratings Sold Secure ratings, translated What Bronze, Silver, Gold and Diamond mean for your specific policy. Data UK bike-theft data Primary-sourced theft figures from ONS and police.uk.