Do I need to lock my bike inside my home?
To keep things fair for The Collective, we don’t want to make life harder for you than it needs to be. If your bike is inside your home, we treat it as being in a safe haven.
The "No Lock" Rule
If your "Home" meets our definition of a private storage location, you do not need to lock the bike to an immovable object while it is inside. We define a private storage location as a space that is:
Securely locked.
Under your sole access control (or the control of your household).
Whether it’s in your living room, a dedicated bike room, or a private, locked garage that only you can access, your bike is covered without being anchored down.
The "Exterior Access" Condition
There is one very important catch: the exterior access to that storage location must remain locked. If a thief enters your home because a door or window was left unlocked or open, The Collective cannot cover the loss. Theft from an unlocked private storage location is a specific exclusion in our policy.
What about shared hallways or communal areas?
If you live in a block of flats and leave your bike in a shared hallway or a communal bike store, this is not considered a private storage location because you do not have sole access control. In these areas, you must follow our security rules:
Standard Bicycles: Must be locked through the frame to an immovable object with a Sold Secure Gold lock.
Cargo Bikes: Must be secured with two Sold Secure Gold-rated locks, at least one of them securing the frame to an immovable object.