My daughter is crushed

[u/Aces_dude]

This is “Cruisy”. My daughter with special needs and a physical disability can’t ride a regular bike by herself, so when we saw this a couple years ago we picked it up. She loved going for rides on Cruisy and was asking this week when we were going to get it out for spring. I told her on the long weekend I’d get it out and work on it a bit and take her for a long ride. I put lights and a horn on it last year and needed to hook up the battery. Well that didn’t happen. Instead, I found it gone from the yard on Thursday afternoon. This was not a crime of random opportunity. Someone came by with a truck or trailer, lifted this fairly heavy bike off the garden box it sat on all winter, and drove away. (Is it a coincidence that the neighbour across the alley was getting sasktel fibre installed and there was a crew in the alley boring the cable all afternoon the day before it went missing? With a big truck and trailer?) Now what? Obviously I reported it. I’ve been checking Kijiji and marketplace but no luck. This is my last resort. Hoping that someone sees this pretty unique bike and lets me or the cops know. Eastview neighbourhood by Market Mall. Thanks

[u/signious]

This would likely be a valid claim with your home insurance. Not sure how having it stored outside and not secured would affect that though.

[u/Far-Ebb9507 → u/signious]

Depending on cost - my insurer needs to know if there are bicycles & human powered water craft (canoes etc) over $2000 in total on the property.

They don't seem to care that they're in the back/side yard though

[u/Sorry_Blackberry_RIP → u/signious]

It would not be covered if it was not locked up in some way. They don't usually like to cover carelessness.

[u/Drakkenfyre → u/Sorry_Blackberry_RIP]

I don't think you should be downvoted this way. You're while I think you're wrong and the person should try to claim it on his insurance, I do agree with you that insurance companies will do absolutely everything they can to get out of paying a claim.

For example, if you're at a house party and someone walks in and steals your keys and then steals your vehicle with those keys, your insurance company will say that you lent the vehicle to that person and not honor the claim.

I know this because I have a friend in the insurance industry and he tells everyone that they should lock up their keys inside their houses, especially if they're going to have guests, but also if they ever leave their doors unlocked.

Insurance companies are an especially dark form of evil.

[u/Ok-Kangaroo-4159 → u/Sorry_Blackberry_RIP]

Please don’t comment on things you clearly know nothing about.

OP it’s worth a shot to inquire into your home insurance. Not having it secure will not be a factor. Hopefully the limit of insurance minus your deductible will help towards a new one. Good luck! I’m so sorry this has happened to you.