Cycle Guard Insurance: Approved Bike Lock List...Help!!

Metallica · Post by **Metallica** » 13 Jul 2007, 12:51am

Hi there, I'm new!

I had my bike stolen on Tuesday in Liverpool. They cut cleanly though my Halfords cable lock. I've never had anything stolen before so I couldn't believe it when I finished work and came back to find it missing

I bought a new bike today and I've decided I should get it insured.

For the past few hours I've been researching insurance policies and the locks they require you to have if you should take out a policy with them.

The new bike I've bought cost £130 and CycleGuard quote that the yearly insurance will cost £23.

This is where I'd appreciate some help!

I've pasted their approved list of locks into this post and I've been having trouble finding the specific models...or if I do find them, they cost about £50.

I don't really want to spend £50 on a bike lock and then £23 a year on insurance when the bike itself was only £130 so does anyone know of an approved lock that is nice and cheap? (I'd spend up to £30)

Thanks a lot for any help,
Mark

Your cover is dependant on using a lock from our approved locklist, you can use a lock for a higher value bicycle than yours but you cannot use a lock designed for a less expensive bicycle than the one you have insured. For example, you can use a lock from categories B and C with a bicycle under £250 but you cannot use a category A lock for a bicycle over £1500.

Category A:
Bikes Under £250, Locks Tested and Approved to Sold Secure Bronze rating
Abus Buffo 34/180 HB 230
Abus Centuro 860
Abus CU 170.230 S BC
Abus Defense 4000 HB 200 SL
Abus Millennioflex 896 Cable lock
Abus Sinero 43 Shackle lock
Abus Sinus 46
Abus Sinus 46 & Phantom Coil Pack *
Abus Sinus 46 Parabolic Shackle lock
Abus Sinus Plus 47
Abus Steelochain 85cm/110cm
Abus Steeloflex 860
Abus Steeloflex 900
Abus Steeloflex X Plus *
Kryptonite Armoured Cable Lock *
Kryptonite Kryptolok (ATB,LS,STD)
Luma 35 HU 245 x 320
Luma Bravo 245 x 320
Moore and Large Magnum Plus306/308 Cable lock
Moore Large & Co Dynamite Shackle Lock
Oxford Bicycle Revolver (Cable Lock)
Oxford Sentinel 2000
Specialized Big Rapper
Specialized Fat Rapper Slim
Specialized Hardlock
Specialized Rapper
Specialized Rapper Slim
Squire 37-D3 Padlock & chain
Squire Alpha ‘D’ Lock
Squire Challenger ‘D’ Lock
Squire Padlock & Chain
Squire Patriot
Squire Patriot Plus
Squire Urban Patriot
Squire Viper 2 Metre Cable Lock
Squire Viper 25/1200 Cable Lock
Squire Viper VP Cable Lock
Trelock BS400 108
Trelock BS400 127/300
Trelock BS401 106/260
Trelock Cops BS275
Trelock LL 400
Yale V-1K997 Padlock & Chain

eileithyia · Post by **eileithyia** » 13 Jul 2007, 9:12am

If bike only cost £130 I think I would get a decent lock and forget the insurance esp if they are not going to give full replacement value.

dkmwt · Post by **dkmwt** » 13 Jul 2007, 9:18am

My trike is covered for £2500 on my house contents ins and as long as it's locked to something solid with a good lock then it's covered.

AlbionLass · Post by **AlbionLass** » 13 Jul 2007, 9:26am

I'm the same, the bike is on the home contents and I they don't specify a make or even type of lock as long as the bike is actually locked to something solid.
We've also claimed for a bike (the hubbies) on the same policy just over 4 years ago and they settled within 7 days, £850 less £50 excess so at least we know they pay up when it matters.