Is the TMD Chain Lock insurance approved?

The short answer is: Yes. Because the TMD Chain Lock holds an ART-2 certification, it meets the strict security requirements set by insurers for bicycle protection.

Why ART-2 certification matters

For most bicycle and cargo bike insurance policies, a lock with at least an ART-2 rating is the standard requirement. Without this seal of approval, insurers usually won't pay out in the event of theft. With the TMD Chain Lock, you meet the lock requirement of your insurer.

The TMD Chain Lock is accepted by all insurers in the Netherlands, Belgium and Germany, including for example:

Netherlands and Belgium

• ANWB
• Unigarant
• ENRA
• King Polis
• Laka
• Alteos
• Inshared
• Be-Insured
• Orion
• ZLM / Tomo
• Qover

Germany

• Linexo
• Enra
• Helden
• Hepster
• Ammerländer Versicherung
• Qover

How do I register my lock without a key number?

When taking out a policy, insurers often ask for a "unique key number". Since the TMD Chain Lock is fully digital and has no physical keys, you simply use the unique serial number of your lock. You can find this number in the app and on the packaging.

Proof of theft: the digital log file

With a traditional lock, you must hand over two original keys as proof after a theft. The TMD Chain Lock makes this process more modern and straightforward:

• No physical keys: No need to send anything by post.
• Digital history: Insurers accept the log files from the TMD app.
• Easy export: You can easily view your history and take a screenshot directly via the app. This serves as digital evidence that the bike was correctly locked at the time of the theft. Simply share this screenshot (your proof) with your insurer.

Updated on: 11/02/2026