What do I do if my bike is stolen?
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Report the theft to the police right away and ask for a police report: you will need it when you file your claim. Keep any evidence of the theft, such as broken locks or cut chains and cables, and take photos of the crime scene if possible.
Once the police are told of the theft and you have a case number, start the process by following instructions on our claims page. A claims manager will contact you within two business days.
What documentation speeds up a theft claim?
A complete first submission moves your claim straight to assessment instead of waiting on follow-up requests. Include the police report, a photo of the defeated lock, receipts for any gear or apparel claimed, and your written account of how the theft happened. The company has up to 30 days to settle a theft claim, but most theft claims are settled well within that window; the full checklist is in how long a claim takes to pay.
How is a stolen bike paid out?
Your bike is insured at its declared value with no depreciation for age, so a stolen bike is paid as a total loss at the declared value minus your deductible. Because there is no depreciation, the figure does not shrink as your bike gets older.
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