Bicycle Coverage

There’s a lot you can do to keep your bicycle safe on your property. Read more about what to do to prevent theft, property damage, and what to do if you’re bike has been stolen.

How to keep your bike safe from theft

  1. When parking your bicycle, select a secure, well-lit area. Bring your bike indoors whenever possible.
  2. Lock your bike. Whenever you are not riding your bike, it should be locked, even when it’s in your garage.
  3. Make sure that your bike is locked to a solid fixture. Wood can be cut through very easily. Be sure that the entire fixture cannot be lifted and taken away with your bike.
  4. Avoid older bike racks that only hold the bottom of your wheel in place.
  5. Try to fill the space inside of your lock as much as possible. This makes it hard for thieves to insert tools to pry open the lock.
  6. Be sure to lock up both wheels, as well as the frame.
  7. Don’t make it convenient to steal your bike. If possible, use two different types of locks at the same time (e.g. a cable lock and a U-lock). It stands two reasons: Most thieves want to make a quick getaway. They may not have the time or the tools to break two kinds of locks in a short time.
  8. Secure any "quick release" or easily removable items by locking them or taking them with you. While these features are very convenient for cycling, they also make it convenient for a theft.

Register your bike

Let’s face it — no locking system is perfect. Every time a new anti-theft device enters the market, thieves find a way to beat it. If you want to make sure your bike can be returned to you if it’s recovered after being stolen, register it with your local police department. Or better yet, list it with a national bicycle registration system available through the store where you bought your bicycle.

What if your bike is stolen anyways

Bicycles are covered by your property insurance up to a certain limit. You can make a claim on your policy to cover the loss of your bicycle, but insurance is usually intended for large losses that you can’t afford to replace on your own.

Additional coverage options may be available. Please speak with an Advisor.

Please note that the scenarios above are for information purposes only and do not constitute a legal opinion on the various types of coverage discussed. Individual circumstances may affect your coverage. In case of discrepancy between the information contained herein and your policy, the policy prevails.

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