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Thread: Bikes not coveref for theft 500m from house

  1. #1
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    Bikes not coveref for theft 500m from house

    So looks like a new thing for this year is that if you declare your bike as being kept in a garage, then it is only covered for theft from your garage and would not be covered if it is stolen within 500 metres from your home.

    What do people think of this?
    If you got your bike out of the garage and left it on the road/drive whilst you got yourself ready to go and it was stolen it wouldn't be covered.

  2. #2
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    I'm pretty sure that is just overnight

  3. #3
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    I hope you're right! The next line of the policy says "This restriction does not apply to any loss or damage occurring whilst your motorcycle is parked during the course of a journey" so I guess you could argue it was part of a journey.

  4. #4
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    Quote Originally Posted by rossi46 View Post
    I'm pretty sure that is just overnight
    I believe that is the case but if in doubt (and you can't find it in your T&C's) then phone your insurer
    2016 BMW R1200 GS Triple Black
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  5. #5
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    Same with my insurance for the last year or so. I read it as anytime day or night.
    R1200GSA
    Triumph Scrambler 900
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  6. #6
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    Just insured a bike yesterday, and informed that, not covered if stolen from within the boundary of your property, at any time of day, unless it's in a locked garage !!!
    Cheers

    Marty

    R80GS 1994, R1200RT oilhead.

  7. #7
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    Any time day or night according to Bennetts Insurance!

  8. #8
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    Quote Originally Posted by Tango View Post
    Just insured a bike yesterday, and informed that, not covered if stolen from within the boundary of your property, at any time of day, unless it's in a locked garage !!!
    ...and you accepted that condition ?

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    Quote Originally Posted by AberdeenAngus View Post
    ...and you accepted that condition ?
    I've recently renewed and I trawled the web and brokers for a couple of weeks in advance and that seems to be something that's almost unilaterally imposed these days. It's in my current CN policy, and was the same with Bennets, MCE etc.

    Depending on your postcode, you may just have to accept that as a condition, or pay a heavily loaded premium,

  10. #10
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    Quote Originally Posted by Fluffmeister View Post
    I've recently renewed and I trawled the web and brokers for a couple of weeks in advance and that seems to be something that's almost unilaterally imposed these days. It's in my current CN policy, and was the same with Bennets, MCE etc.

    Depending on your postcode, you may just have to accept that as a condition, or pay a heavily loaded premium,
    That's a bummer.

  11. #11
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    Quote Originally Posted by AberdeenAngus View Post
    That's a bummer.
    Indeed, I've got a WA5 Post code, Half way between the Mancs and the Scousers.......I'm doomed

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    Quote Originally Posted by Fluffmeister View Post
    Indeed, I've got a WA5 Post code, Half way between the Mancs and the Scousers.......I'm doomed
    Know it well. I went to Bruche police college. Believe its gone now.

  13. #13
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    Why not insure it as being kept in your driveway?

    I think that any premium saving for being kept in a locked garage is negligible as they want your custom.

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    Quote Originally Posted by AberdeenAngus View Post
    Know it well. I went to Bruche police college. Believe its gone now.
    Yes indeed, closed it's doors about 10 years ago iirc, I still don't think that much has happened with it. There where plans to build houses, but others wanted it returning to a green field site, so as far as I know, it's sat there idle at the moment.

  15. #15
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    Don't have a garage so I don't declare it's kept in a garage. Mine's kept locked in a gated back yard on the drive and that's what I declare to the insurance... why would you leave it anywhere but the garage if you actually have a garage? I'd love a fecking garage!

  16. #16
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    Quote Originally Posted by AberdeenAngus View Post
    ...and you accepted that condition ?
    Shotgun in my temple my friend
    Cheers

    Marty

    R80GS 1994, R1200RT oilhead.

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