Every u lock can be defeated and the lame insurance that supposedly comes with them is useless unless the broken lock is left at the scene (and it is often not). They don't pay off unless you have the busted lock for proof. A rider on a homeowner or renters policy isn't very expensive and can replace the entire bike pretty quickly. I never lock up my pakiT; I have a Dahon Mu Uno I use if I know I will need to leave the bike locked somewhere, but I also have my pakiT insured (bike theft happens on the street, inside apartments/houses, in offices, etc.).