Did you know that securing your motorcycle with Thatcham/Sold Secure certified devices can get you a discount on your motorcycle insurance premium? The fact is, they do. 

Using insurance-approved motorbike security devices can get you a discount of 5%-30%. Choose any of the best motorcycle security devices for insurance and discuss with your insurance agent about discounts. 

Thatcham and Sold Secure are two organizations that categorize, test, and certify motorcycle security devices. Sold Secure certification may be more effective in lowering your motorcycle insurance premium. 

Motorcycle Security Devices can Lower Motorcycle Insurance Cost

Motorcycles are more likely to be stolen than cars. A National Crime Intelligence Service (NCIS) survey shows that around 34,000 motorcycles and scooters are stolen every year. Only 15% of these are recovered. These stats call for more caution on the part of insurers, hence the discount for using certified motorcycle security devices. 

Insurers use many criteria to assess risk. The top two of these criteria include secure parking space and a reliable security device installed on the bike. Each of these can reduce your monthly premium for your motorcycle insurance. 

Motorcycle locks and security devices reduce the motorcycle theft risk, which in turn lowers insurance premiums. Insurance policies also require you to have at least one type of motorcycle security device installed on the bike. 

The best any motorbike security device can do is to create some resistance to stealing. No lock, immobilizer, or chain is perfect. A determined professional thief can defeat almost any lock in some time. However, a good motorcycle security device deters opportunists and gives you some time to catch or ward off thieves.

The same holds true for classic motorcycle insurance and electric motorcycle insurance. 

Insurers Prefer Alarmed Locks and Thick Heavy-Duty Chains

There is a general preference for alarmed locks and thick, heavy-duty chains among motorcycle insurers. 

Physical deterrence is the key. Alarmed locks and thick chains pose substantial resistance to thieves. Since professional bike thieves are known to use angle grinders and bolt cutters, these two are top motorcycle security devices. 

Another advantage of an alarmed lock and thick chain is the time it takes to remove/unlock. Thieves can't spend much time in the process. 

Secure Markings and Trackers for Lowering Premiums

Secure markings and trackers can reduce motorcycle insurance premiums in two ways; by reducing the risk of theft and increasing the chances of recovery of stolen bikes.

They also have a deterrence effect and improved recovery rates. If your stolen bike is not recovered and you have to make a total loss claim, it can increase your future premiums. So, in this way, recovering your bike with the help of trackers and secure markings can reduce future bike insurance premiums.

Top Insurance-Approved Motorcycle Security Devices

The best motorcycle lock for insurance UK is the one that has high security ratings from independent bodies, such as Thatcham and Sold Secure.

Motorcycle insurers prefer locks with these certifications and may offer discounted motorcycle insurance. Some of the top motorcycle locks for insurance UK include;

• Hiplok DX1000

• Hiplok Mega Chain

• LiteLokX1

• Squire Behemoth and Colossus Chains

Find some alarm locks and chain lock suggestions below.

Top Motorcycle Alarm Locks 

These are some of the top alarm motorcycle locks. 

Abus Granit Detecto XPlus 8077

The Abus Granit Detecto XPlus 8077 is a premium motorcycle disc lock with Thatcham approval and Sold Secure Gold rating. Its 13.5mm hardened steel bolt resists cutting attempts while the integrated 3D position sensor triggers a 100dB alarm if tampered with. The double-bolted locking mechanism provides exceptional security, making it highly regarded by insurance companies and motorcyclists alike.

Oxford Monster Alarmed Disc Lock

The Oxford Boss Alarm Disc Lock is a popular choice, holding Sold Secure Powered Cycle (Motorcycle) Gold approval. It is also often cited as Thatcham-approved. This robust alarmed lock features a piercing 100dB alarm and a hardened steel body and shackle to deter theft, making it a highly effective and insurance-recognized security device for motorcycles.

Xena XX15 Alarmed Disc Lock 

The Xena XX15 Alarmed Disc Lock is a high-security motorcycle lock featuring a 14mm carbide-reinforced pin and a 120dB alarm triggered by shock and motion sensors. It is Thatcham and Sold Secure Gold approved, offering robust stainless-steel construction, double-locking, and excellent resistance to physical and environmental attacks.

Chain Locks  

These are some of the best motorcycle lock and chain options.

 

Almax Series IV Chain

The Almax Series IV Chain is an insurance-approved, heavy-duty motorcycle security chain with 19mm hardened steel links. It holds Sold Secure Gold and Thatcham approval, offering outstanding resistance to bolt croppers and angle grinders. Its robust build makes it ideal for high-risk areas and home use, providing maximum theft deterrence.

Pragmasis Protector 19mm Chain

The Pragmasis Protector 19mm Chain is Sold Secure Motorcycle Gold approved and meets the police-preferred Secured by Design standard. Made from hardened boron steel, it is virtually impossible to bolt-crop by hand and offers outstanding resistance to all common attack methods, making it ideal for high-risk motorcycle security.

Oxford Monster Chain Lock 

The Oxford Monster Chain Lock is Sold Secure Motorcycle Gold approved, featuring a robust 14–14.5mm Ni-Cro-Mo hex alloy steel chain and an ultra-strong padlock with a hardened boron steel casing. Its double locking mechanism and durable construction offer excellent resistance to attack, making it highly trusted for motorcycle security.

Types of Motorcycle Security Devices 

These are the top types of motorcycle security devices. 

Chain Locks and Anchors 

Chain locks are one of the most secure security devices. It prevents both opportunities and professional thieves. If you use a thick, heavy-duty motorcycle chain lock, cutting it even with a grinder will take some time. 

Pair chain locks with anchors to further reinforce security. Fix a ground anchor at the parking place.

Ball-Joint Locks 

Like a chain lock, the ball-joint lock is like a metal rope with a lock to secure your bike. These locks can withstand significant pressure. You can wrap it around your motorcycle tire or frame. Ball-joint locks are particularly useful when you lock your motorcycle around a fixed pole, etc. 

Brake Disc Locks 

As the name suggests, brake disc locks are attached to motorcycle brake discs. This prevents brake disc movement hence making the motorcycle immobile. Some brake disc locks produce noise when broken, thus increasing deterrence. 

U-Shackle (D-Locks)

U-shackles or D-locks are made with hardened thick curved steel rods. These are compact, resistant to grinder, and easy to carry. 

Alarm Systems and GPS Tracking 

Top-of-the-line motorcycle security products, alarm systems and GPS tracking deter theft and increase recovery chances. 

Motorcycle insurance companies consider alarm locks and chain locks the top security devices. If your motorcycle has GPS tracking, a stolen bike may be recovered quickly. 

In a Nutshell

Motorcycle insurance and safety devices go hand in hand. Using reliable and certified motorcycle security devices helps you protect your motorcycle and possibly lower your insurance premium. 

When shopping for motorcycle security devices, choose Thatcham or Sold Secure certified devices. Prefer alarm locks and thick, heavy-duty chain locks. 

We recommend declaring only one of the motorcycle security devices in your insurance policy. Adding more devices will not lower your insurance premium but it can hurt your claim processing. 

When buying motorcycle insurance, discuss the discount percentage for each security device type. Get them to declare the price and exact percentage. This way, you can be sure of your savings.