If your bike is stolen whilst it is left unattended away from your home we will need to see evidence that you used a Sold Secure Gold lock before we can pay out.
We have to judge the circumstances of each claim independently but as a rule of thumb, if you are not capable of attempting to prevent the theft of your bike, we’d consider it to be unattended. But don’t worry, we’re not saying you have to put yourself in danger and try to stop a thief!
But what is a Sold Secure Gold Lock?
Sold Secure is an independent, not for profit organisation that tests locks according to their strength, reliability and sophistication, ranking them either Gold, Silver or Bronze.
Gold-rated locks “offer the highest level of security”. You MUST use a Gold-rated lock if you want your theft claim to be covered by Laka.
Silver-rated locks “offer a compromise between security and cost” but that's not good enough for the collective!
Bronze-rated locks “offer defence against the opportunist thief” but are broken easily. You definitely won't be covered by your Laka policy if you use one of these to secure your bike.
Is my lock a Sold Secure Gold-rated lock?
Finding out which rating your lock is can be a bit of a minefield. So if you’re not sure whether your lock is a Sold Secure Gold-rated, you can type your make and model in here.
We also collate the best deals on Sold Secure Gold locks from around the web to give you a little extra help when choosing the right one for you. Check out the best deals on Sold Secure Gold locks here.
What evidence can I give you that I used a Sold Secure Gold lock?
The easiest way to give us evidence is to provide crystal clear photographs of your lock, that identify it as a Sold Secure Gold lock. Upload these photos to the Laka platform by going to My Gear > Accessories.
If you don’t do this, then we will accept any of the following as evidence:
- Original dated purchase receipt detailing the make and model of the lock
- Ebay or PayPal dated sale documentation detailing the make and model of the lock
- A dated web receipt from an online retailer detailing the make and model of the lock
- An independently written valuation provided by an accredited bicycle retailer detailing the make and model of the lock
When you come to claim we will check whether you used the lock by reviewing the crime report you have submitted to the Police.
As always, if you need help, contact us.