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Sorry about your friends loss, but that’s literally how all insurance companies operate at a basic level.
If the bike was worth 3 grand and was locked with a very basic lock, they’re unlikely to be cover you as the quality of security is inadequate, and the contract has been breached as most insurance companies have a minimum security requirement, which your friend did not fulfill.
This is not unique to Laka.
Chak
@bontie
Hi all,
How has your experience with Laka?
My friend has had a bike stolen at Putney Leisure Centre.
Lodges claim, provides photos and receipt of bike, him on bike, bike only etc.
Claim denied as he cannot provide receipt of the lock it was locked up with….
Seriously - if that’s it, waste of time and money