# Does having a security camera improve my insurance coverage?

April 2, 2026

## Do security cameras change my locking requirements?

While we love to see members of the Collective taking extra steps to keep their gear safe, it is important to know that a camera does not change the baseline security rules we all follow. To keep the claims of the Collective fair and predictable, the same rules apply whether there is a camera watching or not.

**No, the presence of a security camera does not change or reduce your required coverage conditions.**

## Must I still lock my bicycle if CCTV is present?

Yes, you must. Even if you have parked your bicycle directly in front of a CCTV camera, you are not exempt from the requirement to lock your bicycle to an **immovable object** when it is left unattended away from home.

A camera is a recording tool, not a physical barrier. Therefore, the Collective requires a physical Sold Secure Gold-rated lock to be used at all times to prevent theft.

## How can camera footage help with a claim?

While a camera does not change your coverage level, high-quality footage can be very helpful as evidence if you ever need to make a claim. If you have footage of an incident, please provide it to our claims team to help speed up the investigation.

## Why does the Collective prioritise locks over cameras?

The Collective view is that our security rules are designed to prevent theft before it happens. By always using a Gold-rated lock on a solid, **immovable object**, you are doing the heavy lifting to protect the shared pot of the Collective. This proactive approach helps keep the **monthly contribution** low for everyone.