Page 2 of 5 FirstFirst 1234 ... LastLast
Results 17 to 32 of 69

Thread: Bikes not coveref for theft 500m from house

  1. #17
    Subscriber Click here to find out how to Subscribe
    Join Date
    Dec 2004
    Location
    Cambridgeshire & Bedfordshire
    Posts
    13,075
    Quote Originally Posted by stephen.stallebrass View Post
    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!
    Exactly - basically the insurance companies are saying 'if you have a garage at home then you should use it because that is what we are basing the premium on' - if you want to leave the bike on the drive when it is at home them tell them and they will either adjust your premium accordingly or decline to insure you (especially if you live in a high crime area)

  2. #18
    Senior Member
    Join Date
    Apr 2016
    Location
    Kent
    Posts
    321
    Quote Originally Posted by stephen.stallebrass View Post
    why would you leave it anywhere but the garage if you actually have a garage? I'd love a fecking garage!
    I'm not suggesting that!

    It says up to 500 metres from the house. I'm not suggesting to leave it overnight but if I was to ride it home and park it out the front for a few minutes whilst I had dinner or sorted out the garage and it got nicked I'd not be covered. If I was riding somewhere and popped in the local shop on the way and it got nicked I wouldn't be covered.

  3. #19
    Senior Member
    Join Date
    Apr 2016
    Location
    Kent
    Posts
    321
    Quote Originally Posted by Engineer View Post
    Exactly - basically the insurance companies are saying 'if you have a garage at home then you should use it because that is what we are basing the premium on' - if you want to leave the bike on the drive when it is at home them tell them and they will either adjust your premium accordingly or decline to insure you (especially if you live in a high crime area)
    I expect better from an engineer!

  4. #20
    Shep of the Dessert Click here to find out how to Subscribe
    Join Date
    Nov 2004
    Location
    Lleyn Penninsular
    Posts
    12,554
    Mine just stipulates a time period where unless the bike is in use it must be in the garage, 2200 - 0600 in the garage unless being used, i don't bother with some of my bikes i just say its parked outside and I take reasonable precautions, when they ask what precautions I just say what evers been fitted from the factory, ignition and steering lock in most cases. Perhaps its the low crime area I live but the difference in premium is not that significant
    A man with no boat is a prisoner.
    Faroese proverb

  5. #21
    Subscriber Click here to find out how to Subscribe
    Join Date
    Oct 2014
    Location
    blackpool
    Posts
    133
    Insured with Carol Nash , kept in locked garage but was told it is insured if you are in the process of getting it out to go out on it
    (wheel it out go back to lock the gate and come through the house )
    Don't know how long you have or if you leave it out during the day ?????

  6. #22
    Subscriber Click here to find out how to Subscribe
    Join Date
    Jan 2013
    Location
    Gibraltar
    Posts
    2,383
    I have just bought a new scooter for nipping about town on, and the insurance Co will not insure it fully comp, only third party and no fire or theft. I have full no claims discount, I think they are fed-up with scooters being nicked when over in Spain.

    I have a long security cable and lock, to chain it to something solid,( not always easy to find though ), plus an alarmed disk lock. Hopefully they will look elsewhere.

  7. #23
    Subscriber Click here to find out how to Subscribe
    Join Date
    Apr 2013
    Location
    Lincs
    Posts
    1,165
    Most bike and car insurance have run that policy for years...but it is normally an overnight cover issue.

    You will need to remember fill your claim form in properly should this ever happen

  8. #24
    Subscriber Click here to find out how to Subscribe
    Join Date
    Oct 2007
    Location
    Hants
    Posts
    327
    I have had policies where it said "not covered for theft unless locked in a garage during the hours of darkness" - fair enough.
    I've also had some where is is at any time - which is no good as even if the garage door was unlocked while doing some gardening or similar you're not covered.

    I now just say I keep it on my drive - makes a difference of less than a tenner a year and avoids any possible wiggle room from the insurers.
    Cheers

    Steve

  9. #25
    Subscriber Click here to find out how to Subscribe
    Join Date
    Jan 2002
    Location
    North Yorkshire
    Posts
    30,881
    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,
    Not in mine, it isn't (renewed July 2016)and never has been

    The only stipulation is that the bike(s) should be garaged between 2200-0600 - as I have declared that they are garaged overnight

    The additional clause is added to the effect that they will increase the excess by a mere £100, in addition to the standard £100 excess, if the bikes are stolen or damaged by attempted theft whilst in the proximity of my dwelling house and thus not garaged between 2200 to 0600

    So I can leave them out all night, if I so wish and if nicked it'll cost me an extra £100

    No mention of a 500m rule by day or night

    Must be your postcode, because it ain't in my CN contract
    JohnnyBoxer



    So many roads...........So little time......

  10. #26
    Subscriber Click here to find out how to Subscribe
    Join Date
    Apr 2012
    Location
    Cheshire
    Posts
    3,046
    I already said it may be postcode dependant 😀

  11. #27
    Subscriber Click here to find out how to Subscribe
    Join Date
    Feb 2010
    Location
    Nearby
    Posts
    512
    As Galactic Greyhound has mentioned, get them to quote for keeping it on your drive. It made no difference to the insurance of my 125 scoot, but did make a difference to my 'big' bike.

    I did wonder for a nanosecond what they would do if it was stolen from the garage though. I can just imagine the conversation with the insurer.. "Sorry its only covered if its stolen from the drive, not the garage "

    RBW.

  12. #28
    Senior Member
    Join Date
    Apr 2016
    Location
    Kent
    Posts
    321
    Well after all that I phoned my broker to discuss what it actually meant and it's not part of my policy, the document was sent by mistake! Zenith don't stipulate that at all. Happy with my renewal £200 exactly for the year

  13. #29
    Subscriber Click here to find out how to Subscribe
    Join Date
    Mar 2016
    Location
    Nottingham
    Posts
    1,336
    On mine and next year I will tell them it's kept on the drive. When I phone Devitts for the 5 day free cover the guy made it perfectly clear that if it was nicked with 500 meters of my house I was not covered, regardless of time of day. I thought it was due to it being the free cover but found the same with Hastings , who I have insured with for the year. They actually sent me an email stating this.

  14. #30
    Subscriber Click here to find out how to Subscribe
    Join Date
    Nov 2015
    Location
    Dublin
    Posts
    858
    Quote Originally Posted by stephen.stallebrass View Post
    I'd love a fecking garage!
    Same here. After separation, wife & kids stayed in family home; hefty DIY-built side gate with two padlocked bolts, shed with ground anchor concreted beneath a hole in the floor, two concealed-hasps & padlocks on the shed door, alarm & locks on the bike. Heaven. But now I have a public parking spot in front of my apartment. Y-Anchor, locks, bike cover & CCTV all let me sleep OK. Declared fully to insurer, and I'm still happy with my comp insurance.

    Quote Originally Posted by WaterMonkey View Post
    I'm not suggesting that!

    It says up to 500 metres from the house. I'm not suggesting to leave it overnight but if I was to ride it home and park it out the front for a few minutes whilst I had dinner or sorted out the garage and it got nicked I'd not be covered. If I was riding somewhere and popped in the local shop on the way and it got nicked I wouldn't be covered.
    That can't be right?

    So if shopping, or popping into a café, or visiting friends, or traveling, or camping, you wouldn't be covered if your bike was stolen?

  15. #31
    Subscriber Click here to find out how to Subscribe
    Join Date
    Oct 2011
    Location
    aberdeenshire
    Posts
    786
    my policy with mce is the same, so if i go into the village for a paper and the gs gets nicked- no insurance. bloody crazy.

  16. #32
    Subscriber Click here to find out how to Subscribe
    Join Date
    Nov 2015
    Location
    Dublin
    Posts
    858

    Click here to find out how to remove these ads

    This can't be real. If it is it's a scam - plain & simple. As a collective body, bikers shouldn't buy such a bogus product. If no-one bought it, they wouldn't be selling it.

Page 2 of 5 FirstFirst 1234 ... LastLast

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  

Anyone attending a Ride Out or Event organised through the UKGSer Forums does so at their own risk.
UKGSer.com or anyone organising an event posted here will not be held responsible in any way for damage or personal injury sustained while attending any such events.

Members attending any such event do so at their own risk.

The text, images, graphics, sound files, animation files, video files, and their arrangement on this Website are all subject to copyright and other intellectual property protection. These objects may not be copied for commercial use or distribution, nor may these objects be modified or reposted to other sites without prior written permission.

Disclaimer: Use or depiction of the BMW logo or trademark throughout this web site is for illustrative and editorial purposes only, and to the benefit of the trademark owner, with no intention of infringement of the trademark.

The UKGSer Forums may include adult content for which it cannot be held responsible. Your use of this website constitutes acceptance of the UKGSER network privacy policy

"Its about being a grown up hooligan - and if that means a dark visor, remus open pipe and a bit of speeding out of town then all well and good"