If the bike is permanently garaged in London at my London address I am sure I can get insurance
Insurance for British registered / owned motorcycles in London, valued at anything north of say, £20,000 may well be very pricey and / or (possibly) impossible if the ‘expensive’ vehicle is not garaged. There might also be a requirement (depending on the value of the vehicle) to fit a recognised tracker.
Then you might encounter a problem as to what some insurers might consider to be a garage. For example, there is anecdotal evidence that some insurers do not consider a private ‘garage / parking area’ (under for instance a block in Canary Wharf) to be a garage at all, irrespective of entry gates / barriers etc etc. Similarly, some insurers might not grant cover if the vehicle is ‘garaged’ away from home, for example in a rented lock-up.
Everyone’s circumstances (and, not least, post codes) are different though. Your only solution is to shop around a lot, to find something that suits you. For instance, I have a multi-vehicle (multi-vehicle value) policy, which is pretty flexible as regards garaging / on and off road / at home or away from home in storage, including storage in the open…….but it costs money……. In other words, well north of a thousand a year. But, you don’t need a multi-vehicle / multi-value policy and don’t have an E1 post code, so your solution will probably be different to mine.
