What type of a bike lock do you recommend?
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A high-quality U-lock or a sleeved chain offers good anti-theft protection, and pairing the two is stronger still. Velosurance does not endorse a specific brand or model; any high-quality U-lock or sleeved chain, secured to an immovable object, does the job.
The one thing to be aware of: cable locks. They are easily defeated and provide a false sense of security, so never rely on a cable lock to secure your bicycle. Our article A cable lock will not save your bicycle from theft covers the subject in detail.
Should I use a U-lock and a chain together?
Yes, the combination of a chain and U-lock is a strong setup. Each lock takes a different tool and more time to defeat, and time is the one thing a thief working in public does not have. If your bike is regularly secured outside an office, a cafe, or a trailhead, carrying both is worth the extra security.
How does my lock choice affect a theft claim?
A high-quality lock protects your claim as well as your bike: a cut U-lock or chain is clear evidence of theft, and locking to any immovable object such as a bike rack keeps you in compliance with the policy's theft provisions. The full list is in the theft coverage conditions, and garage storage has its own rules for locking a bike inside a closed garage.
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