A small change to who picks up the pieces and responsibility would see this probem fixed quite swiftly
If youve taken reasonable steps to protect your property and its nicked, providing you can demonstrate you took reasonable steps to protect
your bike / car then the insurance company pays.. no small print evasion - or technicality avoidance!
Once payment is made - there should be no mark against you for making a claim, no loading of premiums, etc.
The cost of a non recovered fault claim should be borne by the Insurance co. and HMG
Its not your fault some low life had your property away.
Wouldnt take long before one moaned to the other and something was done.
Funny how after an MP was thieved by a scooter gang, the gang has been caught, and a 40% drop in this
type of crime has been reported!
Get HMG to pay for bike theft, you'd have more officers on the beat pronto