If the inspection determines that a repair can be completed in a way that will not affect the bike’s safety or integrity, then the policy will reimburse the repair cost along with all other costs directly associated with the loss.

This largely depends on the material of the frame as well as the location and the type of damage. For example, if an aluminum or steel frame is bent out of true, there is little that can be done except to replace the frame.

Call the police and report the theft and ask for a police report (you will need it later when you file your claim). Keep any evidence of the theft such as broken locks or cut chains/cables. If possible, take photos of the crime scene.