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

A police warning but what if you have locked your bike and the lock is stolen too? Photograph: Nikki Court/Alamy

My e-bike was 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.