Insurance won’t pay my stolen bike claim because the lock was stolen, too

It says damage to the lock is the vital evidence it needs, but that was also taken

My e-bike was been stolen this month but my insurer, Homeprotect, has rejected the claim because there is no evidence of damage to the lock. That’s because the thief made off with it, too.

The bike was listed on my policy as a specific item to be covered even away from home. I don’t believe that the policy wording is clear. It should state that a bike theft claim will only be considered where there is CCTV proof or a broken lock is found.

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