What security requirements must your engine meet?
Of course, you always want to prevent theft of your motorcycle. One of the things you can do yourself to secure your motorcycle against theft is to use an approved ART lock. But which motorcycle insurance policies require such a lock? What risks do you run when your lock does not meet the insurer's requirements?
Mandatory lock for your motorcycle ART 4
With motorcycle insurance with WA limited hull or all-risk coverage, the insurer imposes a security requirement. With these types of insurance, the insurer assumes the risk of theft. The lock used must be an ART lock. With such motorcycle insurance, you must have at least an ART 4 lock on your motorcycle and be in possession of both original keys, at least one of which must have traces of use. Note: The approval of ART may expire. The ART Foundation periodically checks whether existing locks are still up to standard. If you do not use an approved lock, there is no coverage in case of theft. Therefore, check carefully whether your lock meets the insurer's requirements. With a basic WA-coverage there is no theft coverage anyway, so there is no requirement of the insurer regarding the lock.
Night storage
At night, the motor vehicle should preferably be stored in a properly locked room. In this space, the motor vehicle must be locked with an approved ART 4 lock. Is it not possible to park the motor vehicle at night in a well locked space? Then make sure the motor vehicle is out of sight from the public road. Use an approved ART 4 chain lock or shackle lock to connect your motor vehicle directly to an ART approved wall or ground anchor, or to an earth and/or nailproof object. Is it not possible to place your motor vehicle out of sight and/or ground or nail down? Then your motor vehicle must be locked with the standard locks present and an ART 4 approved lock.
SCM security
Some motorcycles have an additional security requirement. The requirements depend on the catalog value of the motorcycle. Whether your motorcycle must meet one of the SCM M-classes below can be found in the policy conditions and/or the clause sheet.
Class M1
Consisting of a system that automatically engages and prevents the engine from moving under its own power, no detection and no alarm.
- Blocking on the engine management
- Attack resistance at least 3 minutes
Class M2
Consisting of a system that automatically engages and prevents the motor from moving under its own power, alerting by emergency siren, extended with tilt detection.
- Optical signalling
- Movement detection
- Acoustic alarm by means of an emergency siren
Class M3
Consisting of a class M2 system meeting the requirements of SCM regulation MF-04, supplemented by a tracking system meeting the requirements of SCM regulation TT03.
With the purchase of this SCM security, you will receive a KIWA SCM (Stichting Certificering Motorrijtuigbeveiliging ) certificate that is valid for three years. After that, you need to have your motor protection checked every year at a recognized company in order to be compensated for any damage. A KIWA SCM certificate is proof of security, should you wish to claim damage or motorcycle theft on motorcycle insurance.
Engine already sold?
Have you already sold your motorcycle? Click here to unsubscribe
What if my motorcycle does not meet the insurer's requirements?
Make sure your motorcycle meets modern security requirements. Insurers are increasingly demanding a properly secured motorcycle. Should you want to claim damages or motorcycle theft on the motorcycle insurance, but the security requirements are NOT met, an additional deductible may be applied or even not paid out at all.
Do you have questions about your lock or your motorcycle insurance? Please contact us via chat or by phone at 088 688 3710
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here Monday to Friday from 08:00 to 18:00.