What do Insurance companies class as a garage? - SV650.org

L3nny · 15-03-14, 06:45 AM

As the title

Finding it pretty much impossible to get insurance for a litre sports bike as I don't have a garage in my house.

Would a secured shed count as a garage?

What about if I kept the bike in the house?

Ch00 · 15-03-14, 06:49 AM

Doubt it as most garages are brick built.

Ask them.

15-03-14, 07:14 AM

All the ones I've dealt with specify a brick built construction attached to my place of residence.

NTECUK · 15-03-14, 07:51 AM

My insurance asked if it was brick,Concrete,or steel.
Ask if you can use a shead no harm in asking.
Get it alarmed too

dizzyblonde · 15-03-14, 08:02 AM

Carol Nash ask if it's brick, metal or wood.
There's no difference in premium cost between them.
I've changed the type of materials several times over the years for my shed, which is why I have enquired several times about this subject.
As long as it's locked securely and on your property.

andrewsmith · 15-03-14, 09:10 AM

Lenny bang up a pic of where you store it. My yard has a strange allocation with the height of the walls

L3nny · 15-03-14, 07:19 PM

I called my insurance, they said a metal shed, while not as good as a garage is better than nothing and reduces the premium from around 1100 to around 400, if it's not in the shed when it's stolen it just means I have to pay an extra £500 excess, which is less than the saving you make anyway!

Think I'll just keep it in the living room for a bit

15-03-14, 07:30 PM

I have a protect a bike and that's counted

L3nny · 15-03-14, 08:02 PM

Was looking at one of them but they are a lot of money. Are they really that much better than a £500 metal shed? Can you get 2 bikes in them?

15-03-14, 08:07 PM

At a push the biggest one could. The instructions are ****, the panels are miss labeled.

I do not think it was worth the money.

If was doing it again think I would go for another metal shed and get my own ground anchor.

15-03-14, 06:45 AM	#1
L3nny Member Mega Poster Join Date: May 2008 Location: MK Posts: 2,109	What do Insurance companies class as a garage? As the title Finding it pretty much impossible to get insurance for a litre sports bike as I don't have a garage in my house. Would a secured shed count as a garage? What about if I kept the bike in the house? __________________ 2015 GS 1200 Adventure

15-03-14, 06:49 AM	#2
Ch00 Member Join Date: Jun 2006 Posts: 477	Re: What do Insurance companies class as a garage? Doubt it as most garages are brick built. Ask them. __________________

15-03-14, 07:14 AM	#3
Specialone Guest Posts: n/a	Re: What do Insurance companies class as a garage? All the ones I've dealt with specify a brick built construction attached to my place of residence.

15-03-14, 07:51 AM	#4
NTECUK Member Mega Poster Join Date: Apr 2011 Location: essex Posts: 5,314	Re: What do Insurance companies class as a garage? My insurance asked if it was brick,Concrete,or steel. Ask if you can use a shead no harm in asking. Get it alarmed too __________________ Raisin cookies that look like chocolate chip cookies are the reason I have trust issues.

15-03-14, 08:02 AM	#5
dizzyblonde Da Cake Boss Mega Poster Join Date: May 2007 Location: On a flying Horse Posts: 9,992	Re: What do Insurance companies class as a garage? Carol Nash ask if it's brick, metal or wood. There's no difference in premium cost between them. I've changed the type of materials several times over the years for my shed, which is why I have enquired several times about this subject. As long as it's locked securely and on your property. __________________ Suzy, yellow 2001 SVS. Kitty, V-Raptor 1000, ZZR1400<<its my bike now Pegasus! Hovis 13.8.75-3.10.09 Reeder 20.7.88-21.3.12

15-03-14, 09:10 AM	#6
andrewsmith Member Mega Poster Join Date: Apr 2010 Location: Newcastle upon Tyne, Just south of salad dodging country Posts: 7,750	Re: What do Insurance companies class as a garage? Lenny bang up a pic of where you store it. My yard has a strange allocation with the height of the walls __________________ RIP Reeder 20/07/1988 - 21/03/2012. Always missed squire!!! Every year we meet old friends, gain some new ones, lose old ones and you always remember them all. “Live as if you were to die tomorrow. Learn as if you were to live forever.” Mahatma Gandhi

15-03-14, 07:19 PM	#7
L3nny Member Mega Poster Join Date: May 2008 Location: MK Posts: 2,109	Re: What do Insurance companies class as a garage? I called my insurance, they said a metal shed, while not as good as a garage is better than nothing and reduces the premium from around 1100 to around 400, if it's not in the shed when it's stolen it just means I have to pay an extra £500 excess, which is less than the saving you make anyway! Think I'll just keep it in the living room for a bit __________________ 2015 GS 1200 Adventure Last edited by L3nny; 16-03-14 at 12:32 AM.

15-03-14, 07:30 PM	#8
aarond Guest Posts: n/a	What do Insurance companies class as a garage? I have a protect a bike and that's counted

15-03-14, 08:02 PM	#9
L3nny Member Mega Poster Join Date: May 2008 Location: MK Posts: 2,109	Re: What do Insurance companies class as a garage? Was looking at one of them but they are a lot of money. Are they really that much better than a £500 metal shed? Can you get 2 bikes in them? __________________ 2015 GS 1200 Adventure

15-03-14, 08:07 PM	#10
aarond Guest Posts: n/a	What do Insurance companies class as a garage? At a push the biggest one could. The instructions are ****, the panels are miss labeled. I do not think it was worth the money. If was doing it again think I would go for another metal shed and get my own ground anchor.

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