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@bmxconan
My home contents insurer refuses to pay out for cycles on the policy I have now, they used to, up to £500. My mate got his bike knicked. They stole the fence his DH rig was locked to, no proof no pay out. My flatmate said that he'd heard of policy's not paying out if there was no broken lock on the scene to prove the bike had been stolen. From claiming insurance for other things, it may not be rocket science, but a lot of people are either lazy or ignorant when it comes to studying every detail of insurance policies. I change / swap frames fairly regularly too, so when the statement I give to the police doesn't match up with what I've insured whats going to happen?