Ring them for a quote, or get a mate to do it, ask about the use of chains and enquire "what if I can't carry my chain and my bike were stolen away from home"
If they are gonna be pricks about this they are no better than the vermin that stole your pride and joy....In my humble opinion
I've found the biggest potential problem with insurance is the address it's kept at in relation to quote given, the days of giving your folks or mates nice post code to get a cheap price are long gone, they go to electoral role look at bill addresses etc I am gutted for you about your loss seriously I can feel how you felt when you saw it gone, just totally sick feeling. I had my car nicked in Bournemouth went to watch Leeds united win the league back in 1989 I think, there was thousands of cars and just one empty space where my old 3 litre sweeny type Granada was left, gutted coppers reckoned it will have gone banger track and deffo the Liverpool community had it. On a positive note I could drink the money I'd have spent in petrol getting back to Leicestershire my then home.
Its early stage for now. Just see how it pans out before exploring more options. Personally I'd get a mate to ring for a quote on anything and find out about the chain away from home vs theft thing just for peace of mind. Get a few background facts about your chain, weight, size, ease of transport etc so at least you can argue how realistic it is carry around safely. I doubt they'd be too happy to pay for broken back surgery resulting from an off with a 19Kg chain in the riders backpack. I know its easy for me to say but try not to lose sleep over it. Monetary possessions can be replaced, there are much worse circumstances you could be contacting your insurance company about. Take detailed notes on every phone call, names, dates, times and content of conversation. Don't say anymore than you have to. Read your insurance documents and gain a clear understanding on its content
You're welcome. As I said I have no experience on this end of insurance. All I can really say is how I'd approach it. I'm truly sorry for your loss. Every bike I read about being stolen makes me want to vomit..
MCE paid out for the theft of my bike. It took ages but that's cause they're slow not cause they tried not to pay. I'm sure you'll be fine.
Sorry to hear about another bike theft,London seems a wank place if you own a bike. What time was you bike stolen ? Were you working at the time ? If so i cannot see any problems with your claim. If you leave your bike in the work carpark as its permanent location but have stated it is at your home address there may be a problem,if so you left your bike at work because you had a business lunch after work and had a couple of beers so had to take a Taxi home. Then remove this thread.
It was 9:23pm and yes, I was still working. No, the park at work is not stated as the overnight location
No worries then, bike is insured to and from work, bike was parked at work, bike was stolen at work , can't see to much of a problem, read all your policy small print very carefully , if all is good bang your claim in, do not mention the chain.
I did mention the chain, mainly because of the cctv, in case they want to see it. Reading the documents, though, it doesn't say that the security devices should be taken everywhere (not very safe to take a 10+kg chain while riding). Also, the parking situation at work was defined by the police "secure". The chain thing is my biggest fear against a claim
As someone previously said, if I put down a ground anchor on the additional security list, there's no way I can take it everywhere. Also, I had a tracker fitted (which didn't appear on the list of their security devices)
