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Cycle Security Requirements

Minimum security requirements for the Eversure cycle Insurance policy.


Security requirements where the cycle is at the home

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

  1. kept inside and any security devices are in operation.
  2. stored within a private garage, privately accessed wooden, plastic or aluminium shed within the boundaries of the home and you have complied with the following security requirements;
    1. all external doors must be secured by a minimum of a 5 lever mortice deadlock to BS3621 standard or a 5 lever padlock, or
    2. the cycle must be secured through the frame by an approved lock to an immovable object within the building.
  3. secured through the frame by an approved lock to an immovable object within the building when at your home in any location which is described as a communal hallway or communal outbuilding.

Security requirements where the cycle is away from the home

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

  1. the cycle is not left unattended.
  2. the cycle is left unattended, but secured to an immovable object by an approved lock through the frame.
  3. any access to the cycle is effected by forcible and violent entry.
  4. the cycle has not been abandoned.
  5. the cycle is not left unattended within the boundaries of a train station, bus station, coach station or your permanent place of employment for more than 24 hours and subject to (b) and (c).

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;

  1. all doors, windows and other openings of the vehicle and cycle rack are left closed, securely locked and properly fastened.
  2. access to the cycle must have been effected by forcible and violent entry.
  3. any security devices installed in the vehicle and cycle rack are in operation.
  4. the cycle is stored out of sight wherever possible, or is secured through the frame by an approved lock to the roof or cycle rack attached to the vehicle.
  5. 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, and 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.
  6. 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.
  7. any vehicle used must have;
    1. valid motor insurance.
    2. a valid MOT certificate where applicable.
    3. current road tax where applicable, and
    4. all windows and locks that are capable of rendering the vehicle secure.
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