hello I have a question and this is one of the only sensible places to ask
I've bought a new bike and this evening I tried to add it to my existing multibike policy with Bennetts. I was put on hold and then informed that my current policy underwriter won't cover the new bike in a timber garage and that my current bikes aren't covered either as they're declared as being kept in a brick garage. It's not a shed but a purpose built timber workshop and at no point have I stated that it was brick built over the number of years since I built it.
After hanging up I read through all of my documents and nowhere does it say that the garage is brick built, nothing in the small print, the bennetts policy booklet just states it has to be a lockable building and doing another quote through the website just states "garaged" (which is how I took the policy out), nothing dictates what the building has to be constructed of and the definition of a garage according to the Cambridge dictionary is that a garage is as follows;
Quote:
- a building for housing a motor vehicle or vehicles.
"a detached house with an integral garage"
synonyms:car port, lock-up More"he let them park in his garage"
depot, terminus, terminal, base, headquarters;
bus station, coach station
"a new bus garage was to be built"- an establishment which sells fuel or which repairs and sells motor vehicles.
synonymspetrol station, service station; informalservo
"she called at the garage for petrol"
- 2.
a style of unpolished, energetic rock music associated with suburban amateur bands.
"a garage band"
- 3.
a form of dance music incorporating elements of drum and bass, house music, and soul, characterized by a rhythm in which the second and fourth beats of the bar are omitted.
verb
verb: garage; 3rd person present: garages; past tense: garaged; past participle: garaged; gerund or present participle: garaging
- 1.
put or keep (a motor vehicle) in a garage.
"the car needn't be garaged in the winter"
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nothing in regards to construction, so I called them back.
They then informed me that it would depend on what the terms and conditions were of the policy underwriter at the time of taking out the policy as they change all the time depending on crime statistics. I then informed then that they didn't send me the terms and conditions and i've never seen them so how would I know what they were let alone had chance to read them, I was told to call back in the morning.
How the hell can they do any of this, If they only insure in garages of certain construction then surely this must be made aware to you?
The workshop is steel meshed and double skinned, the doors are tripple locked and steel plated and the whole thing is alarmed on the doors, windows and has motion detection, the bikes are chained plus I have a rottweiler. Its probably a damn sight more secure than your average "garage" plus its contents is covered on my home insurance. None of this is because it's a bad area, I don't see why it should be easy if they tried it.
Also whilst reading the small print my bikes are only covered from theft in my "garage" between the hours of 10pm and 6am
