So reading between the lines, they were left in an unlocked van, or a locked van that had a lock that wasn’t suitable for securing £15,000 of gear.
My wife has two very expensive road bikes. They are d-locked onto a fixed shelving unit in the garage as a condition of the insurance. I did this because when I insured the bikes as specific named items on the house insurance I asked them what steps I needed to take.
This doesn’t take away from the fact that this is entirely the fault of the criminals, but being morally right and the insurance company being morally wrong won’t lead to a payout if they can prove you didn’t secure your property in a manner consistent with the insurance policy. And I can guarantee with items this expensive there would have been explicit conditions of insurance.
We all know insurance companies are cunts and should act accordingly
You right. Meeting the terms of contract with a mutual agreement has always been a requirement. Who knows what the terms were in their contract but ‘a van’ as the secure storage and ‘I don’t know how’ they got in isn’t good enough. You need to know what locks were on the van. When I insured my motorcycle I had to include the model of D lock, as I learned later, relying solely on the bike’s lock isn’t enough because with enough force thieves can yank the handlebars and snap the key lock off the forks. Or carry the whole thing onto a bed
So reading between the lines, they were left in an unlocked van, or a locked van that had a lock that wasn’t suitable for securing £15,000 of gear.
My wife has two very expensive road bikes. They are d-locked onto a fixed shelving unit in the garage as a condition of the insurance. I did this because when I insured the bikes as specific named items on the house insurance I asked them what steps I needed to take.
This doesn’t take away from the fact that this is entirely the fault of the criminals, but being morally right and the insurance company being morally wrong won’t lead to a payout if they can prove you didn’t secure your property in a manner consistent with the insurance policy. And I can guarantee with items this expensive there would have been explicit conditions of insurance.
We all know insurance companies are cunts and should act accordingly
Also most people who live in Clapham (and every other area) know not to leave anything in a vehicle overnight, let alone 3 bikes!
You right. Meeting the terms of contract with a mutual agreement has always been a requirement. Who knows what the terms were in their contract but ‘a van’ as the secure storage and ‘I don’t know how’ they got in isn’t good enough. You need to know what locks were on the van. When I insured my motorcycle I had to include the model of D lock, as I learned later, relying solely on the bike’s lock isn’t enough because with enough force thieves can yank the handlebars and snap the key lock off the forks. Or carry the whole thing onto a bed