Insurance requirement difficult to meet

I am with Laka. You may have a different policy to mine. but I am certainly required to lock my bike to an immoveable object when it in the shed.

Not sure we have the same policy. This is the wording from the policy wording doc. It makes a repeated statement about the need that "...the Bicycle must be locked by an Approved Lock to an Immovable Object, through
the frame and all quick release wheels." in a range of locations, inculing vehicles.

At Home

When Your Bicycle is kept in Your garage or
outbuilding, the doors and windows must be locked.
Doors must be locked by a minimum 5 lever Mortice
lock, a CEN Grade 3 closed shackle padlock, or a
Chubb deadlock.
• When Your Bicycle is kept in Your Home, the doors
and windows must be locked when your home is
unoccupied or whilst you are asleep. Doors must
be locked by a minimum 5 lever Mortice lock, a
CEN Grade 3 closed shackle padlock, or a Chubb
deadlock.
• If You leave Your Bicycle inside a communal area,
for example inside a parking garage or the foyer
of Your building, the Bicycle must be locked by an
Approved Lock to an Immovable Object, through
the frame and all quick release wheels.
• If Your Bicycle is left in a wooden shed, such shed
must be a Privately Accessed and Securely Locked
wooden shed, within the secured boundaries of
Your Home and Your Bicycle must be secured
therein to an Immovable Object through the frame
and all quick release wheels with an Approved Lock.
• If Your Bicycle is left in a metal shed which is located
within the boundaries of Your Home, the metal
shed must be permanently fixed to a concrete
base and Securely Locked by the standard locking
mechanism of the metal shed. It is required that
this locking mechanism is at a minimum a 3 point
locking system.
 

Vehicles

If your Bicycle is left unattended while it is in, or
attached to, any motor vehicle including while it is in
transit or in a Secure Vehicle Rack, it must be:
• locked inside an enclosed car boot and must not
be visible from outside of the vehicle; or
• kept inside a securely locked vehicle (without
an enclosed car boot) and locked through the
frame and any quick release wheels to a secure
anchor point by an approved lock; or
• locked and secured to a properly fixed Secure
Vehicle Rack via the lockable security provision of
the rack and a Thatcham approved Alarm must
be fitted and active; or
• locked and secured through the frame of the
Bicycle to a properly fixed Secure Vehicle Rack
with an approved lock and a Thatcham
approved Alarm must be fitted and active.
We will not pay any claim for theft of your Bicycle
from the Secure Vehicle Rack of Your vehicle
between the hours of 21:00-06:00, regardless of
how it was secured.

Hi

Yes, it is Laka.

I did look at Direct Line and it appears that use Sundays, as do Laka.

I have just been on the phone to Laka. Verbally they have said that when locking the bike to an immovable object, it is acceptable to use a gold lock for the frame and that the wheels can be secured by a non-gold cable.

They have also said that when I carry the bike on the van at night, I will remain insured, provided that I have 'line of sight' of the bike & van.

I have just sent them an email asking for written clarification about the above.

I have been looking at a fair few policy docs and it appears to me that security requirements are getting more onerous.

I understand the need for this given the ongoing issue of bike crime, especially given the very high value of many bikes nowadays.

I personally feel that adding a high value bike to home insurance does not provide suffiecient cover, but I have not looked at every policy.

However, my concern is that such security requirements may be impractiable when out riding our bikes.

Opps - you are very right, it is not Laka!

Not sure what has happened, but I appear to to have signed up with Sundays when I thought I was dealing with Laka (should have gone to Specsavers!).

So apologies for any confusion.

Anyway, Sundays have now confirmed in writing that their original requirements have been amended.

Bikes will be insured when on the back of a car or van and only one gold lock is required.

I now have a new issue - do I stay with Sundays when I originally wanted Laka as their business model sounds more attractive? 

Ian