Is my bike covered if it is stolen from inside my locked car?
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Yes, a bike stolen from inside your locked car is covered, with one condition that decides the claim: the police report must show evidence of forcible entry into the car.
That is why we strongly recommend locking the bike to a seat anchor point, or any available point inside the car, and always locking the doors and windows. A locked bike inside a locked car leaves a thief no clean way in and leaves you with the evidence the claim needs.
Why does the claim depend on forcible entry?
The police report is what proves the theft, and forcible entry evidence is what proves the car was locked. Several devices available from most auto parts stores, and even from Amazon, can open a car door in seconds without leaving visible evidence of forcible entry, which makes it difficult to prove to the police that the car was not left unattended and unlocked. Locking the bike inside the car closes that gap, because a quality lock that has been defeated is evidence on its own.
What do I do if the bike is stolen anyway?
Report the theft to the police right away and make sure the report notes how the car was entered. Keep any evidence, such as the defeated lock, photograph the scene, and then start the claim; the full walkthrough is in what to do if your bike is stolen. Bicycle theft happens every minute of every day. A locked bike inside a locked car keeps you off that list.
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