Imagine this: you pop into the supermarket and come back. To your shock, your e-bike is gone. Luckily you have e-bike insurance, you think. Until the insurer asks, “What lock was on it?” Uh-oh. If that lock isn’t ART‑approved, you often get nothing back. In this blog you’ll read why an ART‑approved chain lock is a must, which mistakes to avoid, and how the TMD Chain Lock keeps you covered.
Why insurers require an ART‑approved lock
E-bikes are very popular, but also a big target for thieves. Insurers want to reduce risk and set strict conditions. Almost every e-bike policy requires an ART‑approved lock. And often even two: a ring lock and a second lock, like a chain lock.
What exactly is ART
ART is an independent quality mark for locks. Only locks that pass tough tests get the label. You can recognize them by the stars:
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ART-2 is the minimum requirement for bicycles and e-bikes
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ART-3 is recommended for scooters and motorcycles
If your lock has no ART label, your e-bike is often simply not insured against theft. Want to know more? Read our full article about ART certifications for chain locks.
Common mistakes that cost you your coverage
Even with clear rules, things often go wrong. These are the biggest pitfalls:
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Using a lock without a certification: A thick or expensive‑looking lock without an ART sticker doesn’t count. No ART means no coverage.
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Using only a ring lock: A ring lock is handy, but a thief can just lift your bike. For e-bikes, many insurers require a second lock, often an ART‑2 chain lock.
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Relying on a plug‑in chain: Not every insurer accepts a plug‑in chain as the second lock. Check this carefully.
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Forgetting keys or registration: For a claim you often have to show two original keys, one with signs of use. With smart chain locks this works a bit differently, but registration is still crucial.
Registering a smart chain lock
A smart chain lock like the TMD Chain Lock works without a key. Super handy, but during registration the insurer often asks for a key number. That doesn’t exist with a smart chain lock.
The good news: the TMD Chain Lock is ART‑certified and accepted by almost all major insurers. Not sure about the registration? No worries, contact us and we’ll help you right away.
Conclusion: protect your e-bike and your coverage
Insuring an e-bike without an ART‑approved chain lock is asking for trouble. You risk getting nothing back if it’s stolen. With the TMD Chain Lock you know you’re set: safe, smart, and fully covered.
Make sure your e-bike and your insurance are locked down. Choose an ART‑approved chain lock from TMD Locks.
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