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  1. #26
    Senior Member CaptCarrot's Avatar
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    Quote Originally Posted by Nightshade View Post
    One can not depend on ANY bike lock to protect their bike.

    It's far better to have a simple lock to discourage the opportunist thief and bike insurance for all the rest.
    Point taken, but I also believe in the psychology that a bigger/better lock is a bigger/better deterrent. I am fully aware that no lock is totally secure, but the longer it takes to break means the more chance you will still have your bike because the scumbag gets disturbed.

    Quote Originally Posted by pg13 View Post
    and what do those that dont have home insuranca that can cover bike theft? pretty sure regular renters insurance(apartments) doesnt cover stolen bikes, esp if theyre not stolen from the actual apartment.
    edit: oh and thats only if they have renters insurance and even then its only a may pay. of course youd need a specific replacement policy otherwise you get a depreciation on it and you know theyll low ball it. and they may want a certain level of protection if they will cover it.
    I don't know the full specs, but I do have some form of cycle cover on my contents insurance. I don't know if there is a difference between "owners" and "renters", but I do know the difference between "buildings" and "contents". Buildings is for home owners, and covers the cost of rebuilding the home and other such bricks and mortar stuff. Whereas contents covers the contents and is available, as far as I am aware, to anybody whether owner or renter. This is where my cycle insurance is, and this is where some people claim for lost property from holidays.
    Not as green as I might be cabbage looking!

  2. #27
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    homeowners will cover your bike but you have a deductible. So, you can say "just let insurance take care of it" and you could still be totally out of pocket if the value is under your deductible.

    Just being a smart shopper and getting a good lock is a much better idea.

  3. #28
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    might want to check and make sure too. i know it covers your bike in your home and some only to a certain value and it might not cover outside the home. thinking of getting insurance for bike but still on the fence.
    edit: oh and contents only covers stuff in your home. if you have a vacation home and say moved the item there and it got stolen if you dont have a insurance policy on that house your insurance wont cover it or itll be reduced alot. of course that also depends on how much you pay too. man learning lots of things looking up insurance.

  4. #29
    Senior Member CaptCarrot's Avatar
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    Don't forget I am in UK, and our insurance may be different to yours.

    My bike cover does cover me away from the home, but I am not sure about excess or crash cover for that matter.

    FYI my home and contents (and car for that matter) insurance are provided by More Th>n (part of Royal Sunalliance)
    Not as green as I might be cabbage looking!

  5. #30
    Fair Weather Cyclist Transformer's Avatar
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    The Blackburn locks have rubber shielding on the inside half of the shackle only, leaving the outside hex corners to scratch up anything they contact. The locks also have an astonishing amount of fragile plastic.

    The Kryptonite Fahgettaboudit is massive. Definitely check one out in person before purchasing if you intend to carry it around while riding.

    The Abus granit locks are awesome, but expensive.

    My favorite minis are the Kryptonite Evolution and the Soma Anti-Jack 2.

  6. #31
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    ah that is definitely different than our insurance over here. though id bet the pricier insurances probably cover like yours. does yours have a replacement policy or have you added that? just curious about the uk insurance because it seems we have to add it on over here for a little more $ or the amount gets lowered from depreciation.

  7. #32
    Senior Member CaptCarrot's Avatar
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    The bike cover was an add-on, and looks like it only covers loss/theft.

    I will have to check the policy documents regarding excess, but this is what their website says
    Bicycles - Cover for your families bicycles away from your home up to 5,000 if lost/stolen wherever left. (Limit of 1500 per bicycle)
    Re the stuff in the home, the other add-on is
    Outside Your home cover - Cover for your contents that you often take out of the home if lost or stolen anywhere in the UK or if abroad for up to 60 days
    For more information:

    http://www.morethan.com/Pages/Produc...atWeCover.aspx
    Not as green as I might be cabbage looking!

  8. #33
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    Quote Originally Posted by Transformer View Post
    The Blackburn locks have rubber shielding on the inside half of the shackle only, leaving the outside hex corners to scratch up anything they contact. The locks also have an astonishing amount of fragile plastic.
    They do have rubber coating on the inside of the U so that is something to be aware of.
    The only plastic is the plastic/rubber guard over the steel shackle. I like how encased the shackle is. It's a nice design, I think.
    You can smash that out and it will not affect security.
    Just like you can peel the rubber off a Krypto with no issue.

    14mm hardened steel just like the Krypto
    hexed shape so you can't cut and twist it.

    The SQ has 18mm hardened steel

    The NYF is the best rated
    the Sing Sing is a great alternative to the popular mini Evolution.
    Mini Evolution- single lock, J-hook (cut and unhook)
    Sing Sing- double locked (cut and both sides still locked)

    I have the NYF but it's too heavy sometimes. The Sing Sing is better than the mini Evolution.
    They are all great locks.
    Last edited by cruiserhead; 11-11-11 at 08:11 PM.

  9. #34
    Humvee of bikes =Worksman Nightshade's Avatar
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    Quote Originally Posted by pg13 View Post
    and what do those that dont have home insuranca that can cover bike theft? pretty sure regular renters insurance(apartments) doesnt cover stolen bikes, esp if theyre not stolen from the actual apartment.
    edit: oh and thats only if they have renters insurance and even then its only a may pay. of course youd need a specific replacement policy otherwise you get a depreciation on it and you know theyll low ball it. and they may want a certain level of protection if they will cover it.
    Your understanding of how renters insurance works is flawed.

    IF you declare the bike as a "Named Item" (i.e. "Rider") to either a renters ,or homeowners policy, then you will have full coverage of the named item (your bike).
    My preferred bicycle brand is.......WORKSMAN CYCLES
    I dislike clipless pedals on any city bike since I feel they are unsafe.

    Originally Posted by krazygluon
    Steel: nearly a thousand years of metallurgical development
    Aluminum: barely a hundred, which one would you rather have under your butt at 30mph?

  10. #35
    Humvee of bikes =Worksman Nightshade's Avatar
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    Quote Originally Posted by cruiserhead View Post
    homeowners will cover your bike but you have a deductible. So, you can say "just let insurance take care of it" and you could still be totally out of pocket if the value is under your deductible.

    Just being a smart shopper and getting a good lock is a much better idea.
    NO, not true. It all depends on how you write the rider on the policy. If it's "all hazard with no deductible" then the insurance company is on the hook to repair/replace the bike.
    My preferred bicycle brand is.......WORKSMAN CYCLES
    I dislike clipless pedals on any city bike since I feel they are unsafe.

    Originally Posted by krazygluon
    Steel: nearly a thousand years of metallurgical development
    Aluminum: barely a hundred, which one would you rather have under your butt at 30mph?

  11. #36
    Humvee of bikes =Worksman Nightshade's Avatar
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    Quote Originally Posted by CaptCarrot View Post
    Don't forget I am in UK, and our insurance may be different to yours.

    My bike cover does cover me away from the home, but I am not sure about excess or crash cover for that matter.

    FYI my home and contents (and car for that matter) insurance are provided by More Th>n (part of Royal Sunalliance)
    If you don't know all about the coverage for , and about, your bike, you have in the UK then discuss it with your agent.
    My preferred bicycle brand is.......WORKSMAN CYCLES
    I dislike clipless pedals on any city bike since I feel they are unsafe.

    Originally Posted by krazygluon
    Steel: nearly a thousand years of metallurgical development
    Aluminum: barely a hundred, which one would you rather have under your butt at 30mph?

  12. #37
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    Quote Originally Posted by Nightshade View Post
    Your understanding of how renters insurance works is flawed.

    IF you declare the bike as a "Named Item" (i.e. "Rider") to either a renters ,or homeowners policy, then you will have full coverage of the named item (your bike).
    yes but for that you have a additional fee for it. so my understanding was fine as i did mention regular policy doesnt have that coverage and you have to add it to your policy. and though im not sure if the depreciation of the value happens or if its a replacement policy. have to ask your insurance provider about that.
    edit: is it 30 for 3000 worth of coverage a year? or does that also vary between insurance providers?

  13. #38
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    Quote Originally Posted by Nightshade View Post
    NO, not true. It all depends on how you write the rider on the policy. If it's "all hazard with no deductible" then the insurance company is on the hook to repair/replace the bike.
    NO, not true. You are wrong.
    It all depends on how you write your policy.
    If it's got a $500 deductible, than you are on the hook for $500. If you have a 0 deductible, than you don't have to pay out of pocket.


    (see what I did there?)

  14. #39
    Humvee of bikes =Worksman Nightshade's Avatar
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    Quote Originally Posted by Nightshade View Post
    NO, not true. It all depends on how you write the rider on the policy. If it's "all hazard with no deductible" then the insurance company is on the hook to repair/replace the bike.
    Quote Originally Posted by cruiserhead View Post
    NO, not true. You are wrong.
    It all depends on how you write your policy.
    If it's got a $500 deductible, than you are on the hook for $500. If you have a 0 deductible, than you don't have to pay out of pocket.
    (see what I did there?)
    Yawn......I already said that.
    My preferred bicycle brand is.......WORKSMAN CYCLES
    I dislike clipless pedals on any city bike since I feel they are unsafe.

    Originally Posted by krazygluon
    Steel: nearly a thousand years of metallurgical development
    Aluminum: barely a hundred, which one would you rather have under your butt at 30mph?

  15. #40
    Senior Member CaptCarrot's Avatar
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    Quote Originally Posted by Nightshade View Post
    Your understanding of how renters insurance works is flawed.

    IF you declare the bike as a "Named Item" (i.e. "Rider") to either a renters ,or homeowners policy, then you will have full coverage of the named item (your bike).
    Or just check my policy - when I can be bothered
    Not as green as I might be cabbage looking!

  16. #41
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    Several years ago a news story circulated on a certain kind of bike lock and it was shown that they were trivial to defeat. Unfortunately, it was a very common bike lock. [wrong]They still seem to be sold and discussed places like here and they seem to me to be the same.[/wrong]

    Did they make any changes or did this story just get ignored.

    "There is no security in obscurity"

    EDIT: They appear to have changed the design and they may even have dealt with the issue by replacing them, if so, great, checking now.
    Last edited by christ0ph; 11-13-11 at 06:09 PM.

  17. #42
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    Guessing youre talking about the kryptonite cylinder locks and the bic pen thing? If so they did a recall and replaced them with new locks for free.

  18. #43
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    Yes.. Really.. thanks for telling me that.. maybe they will let me trade my old one in.. I still have it, are you sure that they did it because I made a comment on another thread that I'd like to delete based on what I had read elsewhere that they hadn't.
    Quote Originally Posted by pg13 View Post
    Guessing youre talking about the kryptonite cylinder locks and the bic pen thing? If so they did a recall and replaced them with new locks for free.

  19. #44
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    Yep they did but the time has long past to get the free fix. You can find posts here about it. But that doesnt apply to all of them nor only to kryptonite. Wanted to check it my old one was on of those but my cheapo pen was willing to use for this was a brittle plastic so it broke instead of deforming

    http://money.cnn.com/2004/09/17/news...ps/kryptonite/

    edit: but if the lock you bought if it was bought after 2002 and is one of those on the list email them and maybe they will. I sure didnt know about it until i saw it here.

  20. #45
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    Quote Originally Posted by Nightshade View Post
    Yawn......I already said that.

  21. #46
    Senior Member CaptCarrot's Avatar
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    Said or not, here it is from the horses mouth (although they say discovered in 2004, I believe it has been known since 1999)

    http://www.kryptonitelock.com/OurStory/History.aspx
    Quote Originally Posted by Kryptonite - Our Story
    During the fall of 2004, it was discovered that the industry-standard tubular cylinder, used in most brands of portable security products, could be compromised, at times, with a household item. Kryptonite flew into action, created a voluntary lock exchange program and replaced over 400,000 locks in 21 countries for free. To do this, the company redesigned the equivalent of 9 years worth of new products in just 10 short months. Kryptonite is the only company in the world that offered such a comprehensive plan to customers, taking its 'legendary customer service' pledge to new heights.
    Not as green as I might be cabbage looking!

  22. #47
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    It's a "Krypto Lok" - I don't remember what year I bought it. Probably sometime in the early 2000's because
    when I saw that news story, it still was a semi recent purchase in my mind. But at that time the lock was attached to my bike which was in storage and I had other things going on in my life. I did not realize that they had recalled the most recently purchased locks.

    Chances are, I dont have any way of proving when it was bought. I don't even remember where I bought it right now, although it might come back to me. Maybe Home Depot.

  23. #48
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    What I think would be fair would be for them to give owners of the old cylinder locks the ability to send in their old locks and an amount of money, maybe half the price of a new lock. They could get any of their modern KL locks without the vulnerability a half price. When the cost of shipping is figured in, users would save at the most maybe ten or fifteen bucks, if that, but Kryptonite would retain them as customers, plus not lose money on the transactions. Otherwise, the people who could no longer use their locks would be pissed, or worse, they might be unaware and lose their bike, then realize after he fact that the thief had exploited the vulnerabiliy that the manufacturer had not made as clear as they would have needed to find out- except during a relatively short period which they missed.

    Unfortunately, these kinds of weaknesses often apply to all sorts of security-related products and the number of times I see news stories that seem to tie in to those weaknesses is increasing.

    The mechanical lock, even the rare one that incorporates security features that go beyond the norm, is no longer the effective deterrent to crime it once was.

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