Do I have to lock my bike to an immovable object for bike theft coverage

No. BikeInsure does not require a bicycle or e-bike to be locked to an immovable object.

Different bike insurance policies define theft protection in very different ways. Some policies require the bicycle or e-bike to be locked to an immovable object, while others require both an immovable object and a specific pre-approved lock. For example, Velosurance, Markel, and Sundays require the bicycle to be locked to an immovable object. BikeInsure does not.

BikeInsure uses broader coverage that applies when reasonable theft-prevention measures are used — meaning the bicycle or e-bike is secured with a locking device while unattended. A specific brand or model of lock is not required.

When optional Bike Theft Insurance is selected, and a properly secured bicycle or e-bike is stolen, the policy pays the replacement-cost value for equipment of substantially similar kind and quality (including listed accessories), less the $150 deductible and not exceeding the Item Amount of Insurance shown on the Declarations page.

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