Bikesure - what a load of .............

[steadysteve]

Just beware Bikesure's security clauses. They expect you to fit a security device whenever you leave the bike unattended - I clarified this with them, and yes - even if you pop into a shop.

I live in one of the cheapest insurance postcodes in the country, so it's nothing to do with that.

When I complained about this issue, they wouldn't even enter into discussion about it, and cancelled the policy. Still charged an admin fee as well.

Interesting- I queried the security requirements (via the Bikesure man on here) ,and got no reply. Basically did they expect me to carry a 5kg lock and chain around to lock it up when popping into a shop?.

Recent contacts with the office have been spot-on though - quick, polite, professional and no mistakes etc. I found an alternative provider and rang Bikesure to cancel the auto-renew thingy on my debit card and they matched my alternative quote and threw in helmet and leathers cover.

 

[Noddy]

E-mailed them to enquire about adding a second bike to my policy on the 17th of June, no reply or contact from them at all till 1829 tonight. Very kind of them to inform me that is going to get warm.

 

[JohnnyBoxer]

Renewed with CN, this morning - a company that could fulfill my requirements for Bike insurance

No gimmicks, just a straightforward contract and a decent price

 

[stevelup]

Interesting- I queried the security requirements (via the Bikesure man on here) ,and got no reply. Basically did they expect me to carry a 5kg lock and chain around to lock it up when popping into a shop?.

When they finally replied to me (had to chase twice), here's what they said:-

Although this policy does share a Garaging Endorsement whereby the vehicle has to be garaged whilst at the home address it is also a condition of this policy that a Sold Secure lock and chain is fitted to this vehicle whenever it is left unattended. This is regardless of where the vehicle is left or for how long.

Unfortunately the standard security on the vehicle is not a replacement for the Sold Secure lock and would still be required.

 

[Rob Farmer]

Renewed with CN, this morning - a company that could fulfill my requirements for Bike insurance

No gimmicks, just a straightforward contract and a decent price

Just don't break down abroad or expect them to be honest about green card cover.

 

[JohnnyBoxer]

Just don't break down abroad or expect them to be honest about green card cover.

Your experience is etched in my memory, to be fair - I bet they are all a bit of a muchness

My Van is my back up, if all else fails

 

[Nutty]

Renewed with CN, this morning - a company that could fulfill my requirements for Bike insurance

No gimmicks, just a straightforward contract and a decent price

Nice to see you're treating yourself on your birthday!

 

[Bikesure]

Interesting- I queried the security requirements (via the Bikesure man on here) ,and got no reply. Basically did they expect me to carry a 5kg lock and chain around to lock it up when popping into a shop?.

Recent contacts with the office have been spot-on though - quick, polite, professional and no mistakes etc. I found an alternative provider and rang Bikesure to cancel the auto-renew thingy on my debit card and they matched my alternative quote and threw in helmet and leathers cover.

Hi,

Sorry about this - Could I ask when it was you contacted me? I've just checked my inbox and I have messages as far back as October 2014, but don't have any PM's from you at all.

I'd always welcome anyone to PM me directly with any policy queries or quotation requests, I am here to help.

Apologies to the guys that have experienced any issues with ourselves, I'm also happy to investigate this if you PM me.

Kind regards
Jordan

 

[stevelup]

Have a look at my post above. The policy states that the bike must be secured with a 'sold secure' lock whenever it is unattended 'regardless of where the vehicle is left or for how long' - you must agree that this is utterly impractical?

 

[Bikesure]

Have a look at my post above. The policy states that the bike must be secured with a 'sold secure' lock whenever it is unattended 'regardless of where the vehicle is left or for how long' - you must agree that this is utterly impractical?

Hi,

As we are a broker unfortunately we don't control the requirements that the insurers set.

A requirement for a Sold Secure lock to be fitted when the motorcycle is unattended for theft cover to apply is very common with insurers, the same as many insurers have a garaging endorsement which states if you have declared the bike is garaged, it must be garaged when at home for theft cover to apply.

A Sold Secure lock doesn't have to be a large chain, you can get disc locks that are Sold Secure rated. Personally I wouldn't leave my bike anywhere without at very least a disc lock fitted. They will even fit in your jacket pocket if you don't use a top box/panniers.

I can only apologise if you feel this requirement is impractical, it's just something we cannot control as a broker.

Kind regards,
Jordan

 

[Paul S]

Pretty much all insurance companies will require you to fit a lock of some sort to your bike.

Usually when buying insurance on line there is a drop down screen saying which security devise you are using - just choose the smallest option on the list i.e. I have a couple of Oxford Boss disc locks so choose them. Makes no difference to the premium which option you choose normally and so no point saying you are using a big lock and chain even if you have one in the garage.

Simple really - just use a bit of common sense

 

[stevelup]

I don't agree. Saying you'll fit a security device gives your insurer a cast iron guaranteed way of getting out of a claim should something happen.

You're seriously telling me that if you park up your bike and pop into a cafe for a cake and coffee, you fit your disc lock? Even if you're going to be in there 15 minutes? Where do you draw the line - do you fit it when you're going in to pay for fuel?

My current policy with Hastings makes no mention of locks, nor did either of my previous ones. It was a shock to find this endorsement on the Bikesure one.

 

[Paul S]

I don't agree. Saying you'll fit a security device gives your insurer a cast iron guaranteed way of getting out of a claim should something happen.

You're seriously telling me that if you park up your bike and pop into a cafe for a cake and coffee, you fit your disc lock? Even if you're going to be in there 15 minutes? Where do you draw the line - do you fit it when you're going in to pay for fuel?

My current policy with Hastings makes no mention of locks, nor did either of my previous ones. It was a shock to find this endorsement on the Bikesure one.

Never mind you do not have to agree - just common sense to put a disc lock on your bike which takes all of 10 seconds when you are out of site of it

 

[stevelup]

We're all agreed on disagreeing then

But showing some common sense and having it engraved in stone in your insurance policy are two different things...

 

[Paul S]

So you expect your insurance company to pay up after someone has stolen your bike even if you have left it unattended and totally unsecured

Would it also be ok to leave the keys in

 

[stevelup]

The bike has an immobiliser and weighs the best part of 240kg. What exactly is the risk associated with leaving it parked outside Waitrose for 20 minutes?

Do you -really- put your disc lock on every single time the bike is outside of your direct line of sight? It's about common sense and risk management. If I was leaving my bike overnight in Tottenham, I would have a completely different attitude than parking it outside a Wiltshire pub for lunch.

Bikesure's policy treats the customer like an idiot and assumes they are not capable of applying simple common sense. I didn't agree with it so went elsewhere, and thought other people might like to know that they are uninsured if they leave their bike even for one minute without a lock fitted.

My argument is that you're better off saying you are not fitting any security device, than saying you have fitted one - no matter how inexpensive it is. If it doesn't affect the premium, why even give the insurer the option to use it as a cop-out.

In the case of Bikesure, you have no choice though.

We're clearly not going to agree on this though...

 

[Paul S]

The bike has an immobiliser and weighs the best part of 240kg. What exactly is the risk associated with leaving it parked outside Waitrose for 20 minutes?


We're clearly not going to agree on this though...

Clearly not if you think your bike is safe for 20 minutes - takes about 20 seconds

https://www.youtube.com/watch?v=vLIK5u2x9r4

 

[stevelup]

And I could link to countless videos of bikes being physically lifted straight into the back of a van. Disc lock wouldn't help there...

 

[Paul S]

And I could link to countless videos of bikes being physically lifted straight into the back of a van. Disc lock wouldn't help there...

The bike has an immobiliser and weighs the best part of 240kg. What exactly is the risk associated with leaving it parked outside Waitrose for 20 minutes?

So it is best to just leave it unlocked outside Waitrose

 

[stevelup]

FFS... yes, obviously.

My bike will be much safer unlocked in a my local Waitrose car park than it would be with a disc lock in Central London.

This is so completely obvious that I believe you're just trolling me now. If I was in Central London, I'd use my common sense and judgement and would probably chain the bike to something immovable.

You still haven't answered the question that I've asked you several times which is: do you fit your disc lock every time you leave the bike out of sight - even if it's just for 30 seconds. Because if you don't, and something happens, then you're screwed - because you've promised your insurance company that you will do so.

I wasn't willing to make this stupid promise.