Do you actually keep your bike in the garage?

[yorkie_chris]

Ask the insurance company

[_Stretchie_]

I'm pretty sure there is something in the written that states you can have it outside your house but only for a short time (heaven knows how they would be able to determine if your bike had been there for an hour or a day, but that's what brought my attention to it..

Have a butchers..

AND DO NOT INSURE WITH MCE, non xs disclosing trucker mothers....

[Gazza77]

Originally Posted by madness

Surely no matter what a garage is built of, anyone breaking in will more than likely break in via the door.

My Uncle once had this conversation with whoever it was that he was insured with, as he kept his bikes locked together in a shed. After two hours of arguing, they decided to agree with him....

[Mr Speirs]

I have my bike insured as kept on public highway but in actual fact it spends most of it's time in a very secure warehouse where if they could break in my bike would be the least valueble item in sight and the hardest to steal. Tried telling my insurance co that but they insisted on bumping the price up considerably.

[SoulKiss]

Originally Posted by Mr Speirs

I have my bike insured as kept on public highway but in actual fact it spends most of it's time in a very secure warehouse where if they could break in my bike would be the least valueble item in sight and the hardest to steal. Tried telling my insurance co that but they insisted on bumping the price up considerably.

I believe mine is just not allowed to be outside of the house overnight - I think it specifies that there is an extra excess if its taken from outside my house after 10 and before 6 (or something like that)

My friend got his '08 Blade stolen from in front of his house last week. He woke up to find his back wheel still chained to the lamp post with his expensive Abus chain Surprisingly, the bike was recovered a week later by the Police with what looked like minor cosmetic damage (apart from the broken ignition barrel and block) The dealership's rwpir quote was close to £8,500! The problem started when he looked at his insurance policy's T's&C's. As the bike was insurred as garaged it meant that if it was stolen while parked on or off the street within 500 yards from home address it was not covered... Unless it was stored in another building that would fulfill the following conditions (and here follows a very detailed description of a suitable storage space - basically a brick garage) .. He was advised that if he tries to claim he will not only get nothing but they will also refuse to insure him in the future. As they were the only company who were willing to insure him for reasonable money (£1100 fully comp; compared to £3000 by other insurers) he ended up not claiming and instructing the dealer to get the bike on the road for the smallest possible value which turned out to be £1,900 from his own pocket...

[yorkie_chris]

£1900? Madness.

Moral of the story don't instruct a dealer to do anything except leave your fecking bike alone.

[yorkie_chris]

But did he get to keep the spare back wheel?

Originally Posted by yorkie_chris

But did he get to keep the spare back wheel?

Yep, he says he'll use it for track days

Originally Posted by yorkie_chris

£1900? Madness.

Moral of the story don't instruct a dealer to do anything except leave your fecking bike alone.

Well it is a +£10K h*nda chav mobile and the imobiliser, ignition barrel and wheel lock mechanism do cost a bit..

I think the biggest sham was dealer's initial quote of over 8K. Apparently it included a new exhaust at a cost of £1.5K which is ridiculous as he had an aftermarket 2 Brothers can on his...