I'm not following. I've only ever been insured by State Farm, and their policy was that if you had comprehensive coverage, and your vehicle was stolen, the deductible was waived. This was not up to negotiation. But if it caught fire or was vandalized, then the deductible applied. Since I only care about theft on a bike, I always chose the highest deductible option because I knew it would never factor in. Now that I'm looking around, I'm hearing that not all companies follow this practice.