I knoticed certain kryptonite locks have theft insurance to a certain amount. but im wondering if i chained the fork of the bike to a pole or whatever and the thief would cut the fork off. would kryptonite cover me then or would i be sol?

I believe Kryptonite will only cover you if the lock itself is compromised, and you can send in the lock remains to be analyzed.

You need to send the lock in, so I think it is fairly useless. Also be aware that you need to register for the insurance within a couple days (perhaps one week?) of buying the lock, and include a receipt for the bicycle too. There are some other limitations -- read the fine print if you care.

Using the lock as an insurance policy is pointless, the thieves will often take the lock with them.

It's better to overlock your bike when it's at home or work (unless you work in a secured area, then light locking may suffice), and to slightly overlock when travelling around. I often use the insurance the lock carries as a gague as to which one ot get for that bike. At the least, it's a rough estimate, but it's better than just saying "chain/big chain/u-bolt....hmm...huuuuu....ohhhhh....hmmmmm...beats me I'll buy the u-bolt"

Insurance also doesn't cover things if the lock was broken with the use of a power tool. That's right, the pulsed laser cannon that thief is using is voiding your insurance claim.

Damn. well thanks for the response

Your best insurance is insurance.

I wonder how that Kryptonite policy works if you use it on different bikes (at different times).

You might need to send the purchase receipts of all the bikes.

If you have a used bike, you'll need an appraisal from a local bike shop. If the crook takes the lock with him, you get no money back.