Sorry to hear about your loss - don't understand the insurance thing as over in the UK the cheapest cover you can get always includes theft.
Know how you feel though - I had 3 bikes stolen about 15 years ago, all in 18 months and that feeling of coming out to where you parked it and it not being there -really awful.
Know how you feel though - I had 3 bikes stolen about 15 years ago, all in 18 months and that feeling of coming out to where you parked it and it not being there -really awful.