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SV650.org - SV650 & Gladius 650 Forum (http://forums.sv650.org/index.php)
-   Bikes - Talk & Issues (http://forums.sv650.org/forumdisplay.php?f=129)
-   -   Insurance - Garaged question (http://forums.sv650.org/showthread.php?t=125356)

gavinsky23 09-02-09 02:14 PM
Insurance - Garaged question
 
Just looking for a quick bit of advice. Just in the middle of moving house, currently have a garage and get a discount on my insurance. Unfortunately I don't have one now but I'm planning to get a large shed to store bike and tools etc.

In order to get the insurance discount does anyone know what actually consitutes a garage? (Wood, metal, plastic OK?).

Currently loking at a 10 x 10, if anyone has any recommendations, not looking to spend a fortune.

Any help/advice much appreciated.

El Saxo 09-02-09 02:18 PM
Re: Insurance - Garaged question
 
EDIT - totally mis-read the OP, sorry! :lol:

Rai86 09-02-09 02:20 PM
Re: Insurance - Garaged question
 
In my experience i have had to state what type of garage it is i.e. Brick or not

??? Guess it kinda depends on who you’re with

Mogs 09-02-09 02:21 PM
Re: Insurance - Garaged question
 
Usually to make the saving on the insurance they state "Brick or Concrete Block Construction), To recoup the cost of constuction it will take a good few years.

gavinsky23 09-02-09 02:28 PM
Re: Insurance - Garaged question
 
I'll need to check. Currently I'm insured with express. I vaguely remember something about either a wooden or metal door, think I'll need to give them a call.

the_lone_wolf 09-02-09 02:44 PM
Re: Insurance - Garaged question
 
i can imagine the assessor's visit going something like the dead parrot monty python sketch:

"that's not a garage"

"yes it is"

"no it's not"

"sure it is, it's just pinin' for the fjords"

ophic 09-02-09 02:47 PM
Re: Insurance - Garaged question
 
insurers vary - some insist on a brick or concrete garage, and some just insist on a concrete base. So my garden shed was a garage before it was even built :-D

benp1 09-02-09 04:00 PM
Re: Insurance - Garaged question
 
quick question about this. if you tell the insurance company that the bike is normally stored in a garage, then do they expect you to park it in there ALWAYS. if you leave it out for one night for whatever reason, and it gets nicked, can you still claim?

the_lone_wolf 09-02-09 04:01 PM
Re: Insurance - Garaged question
 
Quote:
Originally Posted by benp1 (Post 1778217)
quick question about this. if you tell the insurance company that the bike is normally stored in a garage, then do they expect you to park it in there ALWAYS. if you leave it out for one night for whatever reason, and it gets nicked, can you still claim?
if it's at your home location it must be garaged between 10pm and 8am or they won't cover a theft claim

according to my policy documents anyway

ophic 09-02-09 04:02 PM
Re: Insurance - Garaged question
 
Quote:
Originally Posted by benp1 (Post 1778217)
quick question about this. if you tell the insurance company that the bike is normally stored in a garage, then do they expect you to park it in there ALWAYS. if you leave it out for one night for whatever reason, and it gets nicked, can you still claim?
most insurances i've had have doubled the excess if nicked from within 500metres of the home if not in the garage.


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