I’ve just had a call back from Lexham insurance, after their website would not give a quote last night.
Going through all the questions and answers with Magda, she tells me that the insurer won’t pay out if the keys are left in the bike of if they are stolen. I can understand the former, but asked about the latter. She then said that if the keys are stolen, I have to report it and change the locks else the insurer won’t pay out. To my understanding, most insurance companies would pay for the replacement locks, but apparently not Lexham. I then asked “But what if I’m robbed? If the keys are stolen from me and the bike is taken at the same time?” thinking about a possible bike-jacking. She said that I would not be covered for this. At that point, I said there’s no point in carrying on with the quotation, and terminated the call.
Whilst I may be a little bit more able-bodied to defend myself that most riders, I’m not going to try my chop socky out on a gang of moped muggers that are usually armed with claw hammers, machetes and bottles of acid.
I’m now left wondering if Magda did not understand me, and the difference between theft and robbery. I’m going to call Lexham back after I’ve posted this up, and see what their say.