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Originally Posted by bikageboy
ok so if i insure my bike TPFT, garaged at my friends address. pay the money for the policy.
dont actually keep it in my friends garage, and leave it outside my real address overnight.
1 - if it is stolen from outside my real house . . . . . i cannot claim (as it was not garaged)
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Your insurance policy is, in effect, a contract between you and the insurer and the premuim charged is based upon the information supplied and the risk of them insuring you as per their assessment. You supply information that is deliberately wrong then this is fraud. Open and shut case.
You can bet your life that a loss assessor will look long and hard before recommending a payout in the circumstances that you describe.
Take an extreme case - you have a mate in the Outer Hebrides and for a percentage of the saving on your premium he agrees to let you use his address. He also provides the same service for thousands of others...............
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Originally Posted by bikageboy
2- if i take it to the shopping mall and it is stolen there - i can claim.
is this correct ?
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Yes, unless you regularly leave there overnight, and unless there's some restriction in the policy, yes. Mine has a restriction that the bike isn't unsured for theft within 500m of my garage. It is only insured for theft if stolen from within my locked garage or outside of a 500m radius of it.