Does the policy cover theft by force, or threat of force, or violence?
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Yes, theft by force, threat of force, or violence is a covered loss. We hope it never happens, but if someone takes your bike from you directly, the policy responds the same way it does to any other theft.
As with all theft claims, a police report detailing the time, place, and circumstances of the theft by force or violence will be required when submitting the claim.
Is the bike covered if it was taken while I was with it?
Yes. Theft by force is its own covered loss, separate from the theft of an unattended bike. The locking rules in the theft coverage conditions apply to a bike you left locked and unattended; in a robbery there is no lock to defeat, so the police report stands in as the proof of loss. That is why the report needs to capture the circumstances in detail.
What should I do right after a theft by force?
Get somewhere safe, call the police, and report the robbery while the details are fresh: the time, the place, and exactly what happened. Once you have a case number, start the claim and include your written account along with receipts for any gear or apparel taken with the bike. The full claim walkthrough is in what to do if your bike is stolen.
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