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Thread: Bikes not coveref for theft 500m from house

  1. #49
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    Quote Originally Posted by Wonkey donkey View Post
    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.
    As I said on the above I contacted Hastings as my renewal came through and could find cover over £100 cheaper with another company. Spoke to a really helpful girl who knew her stuff and we agreed a premium reduction of over £165 and got rid of the garaged clause and now insured on the drive. I did vent my spleen about the garaged clause and she went off to speak with the underwriters to get accurate info about it. She came back and said that if I got back from a ride and went in the house to put helmet away etc and five mins later went out and bike was gone it would NOT be covered and they would NOT pay out. Underwriters confirmed even if I was popping in the house for seconds, to be covered I would have to garage it. They also said the theft within 600m of the house was measured as the radius 'as the crow flies' not by the road network meaning you're bike could be more than 600m by road away but not by radius. Her advice to me was insure it to be covered on the drive NOT garaged even if you do garage it.

  2. #50
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    Quote Originally Posted by Wonkey donkey View Post
    As I said on the above I contacted Hastings as my renewal came through and could find cover over £100 cheaper with another company. Spoke to a really helpful girl who knew her stuff and we agreed a premium reduction of over £165 and got rid of the garaged clause and now insured on the drive. I did vent my spleen about the garaged clause and she went off to speak with the underwriters to get accurate info about it. She came back and said that if I got back from a ride and went in the house to put helmet away etc and five mins later went out and bike was gone it would NOT be covered and they would NOT pay out. Underwriters confirmed even if I was popping in the house for seconds, to be covered I would have to garage it. They also said the theft within 600m of the house was measured as the radius 'as the crow flies' not by the road network meaning you're bike could be more than 600m by road away but not by radius. Her advice to me was insure it to be covered on the drive NOT garaged even if you do garage it.
    I'm with Bennetts and their clause for the above is between 22.30 and 06.30 next day, which to me seems fair enough.

  3. #51
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    I have these clauses in at least one of my bike policies. This does not make me stop filling up with fuel at Sainsbury's or buying carrots at Aldi on my way home. Both within 600m as the crow flies. If the bike gets nicked as I'm fondling tasty comestibles then the underwriter is very likely to pay out. As Wapping says, under UK law they cannot write an unreasonable clause into the policy, effectively excluding me the free choice of where I buy carrots as this would almost certainly be deemed unreasonable when I have insured the bike for social & domestic use. The policy is just a contract not an edict from a deity. It has to stand up to the scrutiny of law, not the whim of an underwriter or the wisdom of a call centre droid.
    This space deliberately left blank as the author writes too much pretentious bollocks as it is.

  4. #52
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    Quote Originally Posted by iandavid View Post
    I'm with Bennetts and their clause for the above is between 22.30 and 06.30 next day, which to me seems fair enough.
    Bennetts is a broker. Your policy will not be underwritten by Bennetts but an underwriter like Axa or Aviva. Bennetts sell policies from multiple underwriters so your terms may be different to your mate with another "Bennetts" policy.
    This space deliberately left blank as the author writes too much pretentious bollocks as it is.

  5. #53
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    Quote Originally Posted by wessie View Post
    I have these clauses in at least one of my bike policies. This does not make me stop filling up with fuel at Sainsbury's or buying carrots at Aldi on my way home. Both within 600m as the crow flies. If the bike gets nicked as I'm fondling tasty comestibles then the underwriter is very likely to pay out. As Wapping says, under UK law they cannot write an unreasonable clause into the policy, effectively excluding me the free choice of where I buy carrots as this would almost certainly be deemed unreasonable when I have insured the bike for social & domestic use. The policy is just a contract not an edict from a deity. It has to stand up to the scrutiny of law, not the whim of an underwriter or the wisdom of a call centre droid.
    Define 'unreasonable' it's a solicitors dream. I have had several legal battles and all a contract really does is give lawyers the basis to argue and screw you for fees. Will your insurance company pay out because you were fondling your carrots, I don't know but mine were adamant that they would not. You take the risk, i don't care, me I am now insured even if not garaged and within 600m. Good luck with yer next claim

  6. #54
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    BMW/AXA is between 10 and 6 which is fair.


    If you are popping home, just Park 600m away and walk home

  7. #55
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    It really is very simple:

    1. If you do not like any terms requested or imposed by an underwriter (insurer) ask if they can be amended or removed, paying an additional premium if required. If you find the underwriter's revised terms acceptable, buy the insurance.

    2. If the underwriter is not prepared to amend the policy's terms (or if the additional premium is too high, aka 'a rip off') then decline the offer. Then shop around until you can (or can't) find anything better.

    3. In between times, read the Insurance Act, the most substantive revision of law since the Marine Act of 1906, which previously - near enough - governed the insurance of bikermates' awesome steeds, even if they never even get wet, let alone go into the sea.

    https://en.m.wikipedia.org/wiki/Insurance_Act_2015

    Also acquaint yourself with the mound of consumer lead legislation, EU provisions and (if necessary) the price of fish. You'll then be excellently equipped to deal with all and any obstacles, bear pits and 'small print' man traps that may (or may not) lie in your path. With skill you may be able to plant some of your own; wouldn't that be great to really stick one to the man?

    4. Having beavered away through items, 1, 2 and 3 then act in a sensible and grown-up way through the 365 days of the policy; all will then be well. You can then devote your time to more pressing matters like, finding great roads to ride, wondering about the weather in northern Germany in May 2019, securing biker friendly digs, enquiring whether your gloves look the dog's and deciding whether to lock your bike up when you leave it in central London "Just for a couple of minutes" or all day.... or indeed, on your drive, in your garage / shed or on the street outside your castle.

  8. #56
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    I will be cleaning my bike today, on my drive.

    What if a scooter scrote from london comes and nicks it

    Oh woe is me
    Just a Prospect at the moment

  9. #57
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    This rash of GS related theft & insurers response seems reminiscent of what happened in the 1990's to 4x4 owners, whose pride & joy was nicked so it could reversed through the full height plate glass windows of the local Spar, filled up fag's & driven away with barely a scratch.

    This was addressed by taxing the working mans pleasures to oblivion, so no fags to nick in decent quantities, Tesco metro's & the like replacing local businessmen, so much fewer shops to ram raid & decent 4x4's being replaced with Nissan Cashcow's and other similar abominations that fold up like poorly executed origami on first ignored parking sensor beep.

    So instead of moaning at honest insurers who are only protecting their profits in the interests of ensuring British jobs, let's have some out of the box thinking at how the GS theft crisis can be solved.

  10. #58
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    I just got my bike and it's safety is what I'm worrying the most. After reading this thread it seems I need to contact my insurance company.

  11. #59
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    IAM Surety, which I have a policy with, (actually Ageis policy) Not insured for fire, theft or malicious damage within half a mile of the house (800 metres). No option to pay extra, so go somewhere else if you don't like it I will be next year. So bike has to be locked in the garage at home at all times. Did say what about if I was coming home and filling up at a garage within half a mile of the house, they said they would probably cover it - yeh right. Luckily there are no shops or garages within half a mile. And this is Wiltshire.

  12. #60
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    Quote Originally Posted by casbar View Post
    I Did say what about if I was coming home and filling up at a garage within half a mile of the house, they said they would probably cover it - yeh right. Luckily there are no shops or garages within half a mile. And this is Wiltshire.
    That's a classic,

    Then what are you worried about ?

    If you have nothing within half a mile of your house then why would you be stopping, parking or leaving the bike unattended or filling up at an imaginary petrol station ?.

    Did you ask if they covered your bike against an alien abduction ?... i bet they wouldn't cover you for it, robbing bastards. .
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  13. #61
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    Quote Originally Posted by Steptoe View Post
    That's a classic,

    Then what are you worried about ?

    If you have nothing within half a mile of your house then why would you be stopping, parking or leaving the bike unattended or filling up at an imaginary petrol station ?.

    Did you ask if they covered your bike against an alien abduction ?... i bet they wouldn't cover you for it, robbing bastards. .
    You knob, it was an example, I do actually have friends who live within half a mile, so in theory, can't park outside their house. But could always walk. The clause also works for the bike being on your own drive. And I'm not worried or I would have declined the insurance, but in a thread about clauses, then its useful to know that not all endorsements can be changed with extra premium or excess.

  14. #62
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    Alien abduction (and apparently possession) is widespread in Wiltshire.

  15. #63
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    Quote Originally Posted by Wapping View Post
    Alien abduction (and apparently possession) is widespread in Wiltshire.

  16. #64
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    Quote Originally Posted by Wapping View Post
    Alien abduction (and apparently possession) is widespread in Wiltshire.
    As evidenced in this very thread.

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