Lock insurance for scooters
Getting scooter insurance? Then it is important that you choose the right coverage. In view of the high theft rate in our country, it is wise to purchase scooter insurance with at least theft coverage, especially for scooters that have a relatively high value. To reduce the chances of your scooter being stolen, it is very important to have an appropriate lock. With an ART approved lock, you can demonstrate to the insurance company that you ensure that the scooter is properly secured. But what exactly does this ART mark mean?
Standard lock not sufficient
In most cases, a scooter or moped is only equipped with a standard lock. But this is often not enough security. This lock still allows thieves to load the scooter onto a trailer, because it is not secured to a post or fence. Therefore, this form of security is generally not enough, especially in large cities.
ART approved lock
Beyond the standard lock, there are numerous options for adding better security to your scooter or moped. For example, you can choose from a bracket, folding, chain or disc brake lock to connect your scooter to a fixed object. These locks may have an ART hallmark to prevent scooter theft. This hallmark allows you to prove that your scooter does indeed have a good lock. Therefore, to reduce the chances of theft, insurance companies want you to have at least a scooter lock with an ART mark.
What is ART?
ART is a foundation whose goal is to increase the theft prevention level of vehicles and vessels. One way the foundation does this is by testing locks. The manufacturer of the lock almost always indicates whether it has an ART quality mark, but you can also check this yourself on the website of the ART foundation.
Different security levels
The ART seal has different levels of security that are indicated by stars. The more stars a lock receives, the higher its security value is rated. In general, a distinction can be made between two categories: ART Class 3 locks and ART Class 4 locks. ART Class 3 locks are particularly suitable for mopeds, while ART Class 4 locks are particularly suitable for motorcycles.
Finally
When purchasing a lock with ART certification, it is wise to keep the receipt so that you can provide proof in case of theft. It is also important to be in possession of both keys and spare keys of the scooter when reporting the theft to the insurance company. The insurer may ask for this.
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