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ltc
Check with Admiral to be sure. I have done one claim for stolen bikes on a home protect policy, which was underwritten by axa. They did not ask for any proof other than a crime reference number. I believe I also talked them through what happened on the phone. Then I gave them a big spreadsheet of bikes and any custom parts, and they made me an offer of a cash payment or similar replacements from wheelie. For me the replacements worked out better, I got much better bikes than had been stolen. Took a while to process and receive the replacements, but I was pretty happy with the service given the cost of cover.