(Victoria) My bike was stolen from my secure basement car park many years ago. It was secured with a rack dynabolted, and a U lock to the rack. But the thief got around that with a crowbar. Cameras recorded footage, but the thief wasn’t found. Thieves can break into anything.
I have a tip though – itemise the most valuable contents in the cage on your contents insurance policy. I had my bike listed as a specified item on my insurance policy. Nevertheless, my contents insurer who shall remain nameless kicked up a big stink. I had police reports, camera footage, emails from my strata manager. Nevertheless they spent four months fighting me, saying first that the bike was on common property (which it wasn’t – my car park was on title) and then the strata manager wrote emails in support of me to the insurer, backing up my claim that it was on private property, I paid rates on that land, yada yada. Then the insurer decided to try a different tack, claiming that the bike was stored away from my home. That failed, as I said the land was rateable and I owned it. Then a new approach – the underwriting department claimed there was no intention to cover a basement car park. I just held my ground, said they took my premium and also allowed me to list the bike as a specified item. And I said that what they intended was irrelevant if it wasn’t in the policy documents. They gave up and then paid the claim. Like they should have. The only reason they paid the claim in the end, so they said, was that the bike was listed on the policy. My lesson from this was I now list my valuables, especially those I think the insurer may push back on if a claim needed to be made.