Thing is tho with the “money vs time” thing – in the short term you save time by popping into the pub, sitting down without faffing around for a window seat or having to dismantle your bike.
You then spend 6 weeks of your time on the phone to your insurance agency to get some money back to buy another bike.
False economy if I’ve ever heard one.
Again it comes down to the false sense of security provided by roof racks. I bet the same person (And roverpig) wouldn’t ever just lean their bike up against a fencepost and pop in. THAT is absolute insanity if its anything other than a £15 pub bike found in a skip.
Effectively, by leaving you bike on a rack, it’s exactly the same as leaving it lent against a fence. + 8 seconds and a flatheaded screwdrier.