you wouldnt pay out on my stolen motorbike , i just did a night shift at hull royal infirmary i got home at 06.30am and put my scooter on my drive, as my wife was up at 09.00am so i left it on the drive for an hour and in that time some one stole it . i usually keep it in my dining room but since my wife was up early i didnt want to wake her up bringing it in the house, and since you put a GARAGE endorsement on my policy you wont pay out i havent got a garage, and you use a wording loophole in saying a locked building which is very unfair and i am going to the ombudsman to ask is that a fair decision.