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External
Since: Jan 28, 2008
Posts: 28
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(Msg. 1) Posted: Mon Feb 18, 2008 2:05 pm
Post subject: Garage and insurance
Imported from groups: uk>rec>motorcycles (more info?)
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External
Since: Oct 29, 2004
Posts: 1930
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(Msg. 2) Posted: Mon Feb 18, 2008 2:05 pm
Post subject: Re: Garage and insurance [Login to view extended thread Info.]
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TD <topper.doggle RemoveThis @googlemail.com> wrote in
news:fpcckl$apn$1@registered.motzarella.org:
> Just acquired a new (used) machine. Insurance company want it garaged
> at home as part of the policy. This is a ballache as it means moving
> the car or bike out of the way if I want to use whatever's at the
> back. I used to park the old one in my paved front garden, tucked
> away in a corner with disclock and IR floodlight, and this has been
> good enough so far[1].
>
Get a less pikey garage. Mine has a 4' wide side door.
> I wonder what the consequences would be in the hypothetical scenario
> of me not parking it in the garage, and it getting nicked.
> Hypothetically, one could just tell them that it had been in the
> garage. Couldn't I, er I mean couldn't one?
>
One could but one risks being found out and losing one's theft cover. One
might be blacklisted by the insurance industry and struggle to get cover
again.
This risk didn't stop me telling porkies at my last address with a couple
of bikes that were too wide to fit throught the door of my 8'x6' shed.
> [1] Yes it got nicked but that was parked on the road with no
> disclock.
>
Your footnote makes me think that the minor hassle you refer to is worth
it, as you obvioisly live in a dodgy area...
--
wessie at tesco dot net
BMW R1150GS |
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External
Since: Mar 11, 2006
Posts: 108
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(Msg. 3) Posted: Mon Feb 18, 2008 2:05 pm
Post subject: Re: Garage and insurance [Login to view extended thread Info.]
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On 18/2/08 16:44, in article fpcckl$apn$1@registered.motzarella.org, "TD"
<topper.doggle.RemoveThis@googlemail.com> wrote:
<snip>
> I wonder what the consequences would be in the hypothetical scenario of me
> not parking it in the garage, and it getting nicked. Hypothetically, one
> could
> just tell them that it had been in the garage. Couldn't I, er I mean couldn't
> one?
<snip>
Just make sure that before the Assessor comes round you've damaged the
garage door enough to make it look like a forced entry....
Steve
--
1936 BSA B18
1987 VFR400 NC24
1998 HD FXDS
2007 HD VRSCDX >> Stay informed about: Garage and insurance |
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External
Since: Nov 10, 2007
Posts: 38
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(Msg. 4) Posted: Mon Feb 18, 2008 2:05 pm
Post subject: Re: Garage and insurance [Login to view extended thread Info.]
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On Mon, 18 Feb 2008 16:44:05 +0000 (UTC) in uk.rec.motorcycles, TD
says:
>I wonder what the consequences would be in the hypothetical scenario of me
>not parking it in the garage, and it getting nicked. Hypothetically, one could
>just tell them that it had been in the garage. Couldn't I, er I mean couldn't
>one?
Not anymore
I think the last few policies I've had have said garaged if at home,
so park it with one of your neighbour.
--
Ian >> Stay informed about: Garage and insurance |
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External
Since: Jan 02, 2004
Posts: 4854
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(Msg. 5) Posted: Mon Feb 18, 2008 2:05 pm
Post subject: Re: Garage and insurance [Login to view extended thread Info.]
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On Mon, 18 Feb 2008 16:44:05 +0000 (UTC), TD
<topper.doggle DeleteThis @googlemail.com> wrote:
>Just acquired a new (used) machine. Insurance company want it garaged at home
>as part of the policy. This is a ballache as it means moving the car or bike
>out of the way if I want to use whatever's at the back. I used to park the
>old one in my paved front garden, tucked away in a corner with disclock and IR
>floodlight, and this has been good enough so far[1].
>
>I wonder what the consequences would be in the hypothetical scenario of me
>not parking it in the garage, and it getting nicked. Hypothetically, one could
>just tell them that it had been in the garage. Couldn't I, er I mean couldn't
>one?
Nowadays it's not at all uncommon for the policy to have a specific
clause that if the machine is stolen from within 100 metres of your
house, when *not* in the garage, between 8pm and 6pm (or similar),
then you are not covered.
--
Champ
I don't know, but I been told, you never slow down, you never get old
ZX10R | GPz750turbo | GSX-R600 (race)
neal at champ dot org dot uk >> Stay informed about: Garage and insurance |
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External
Since: Apr 17, 2007
Posts: 10
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(Msg. 6) Posted: Mon Feb 18, 2008 2:05 pm
Post subject: Re: Garage and insurance [Login to view extended thread Info.]
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In article <fpcfgs.590.1 DeleteThis @blakeley.plus.com>, <boots DeleteThis @despammed.com> wrote:
>I think the last few policies I've had have said garaged if at home,
>so park it with one of your neighbour.
Mine says double the excess (500 rather than 250) if stolen within 250
metres of the insured address. So I am better covered if I park it in
the middle of town than in my drive.
So the question is how best to dry the bike after I've washed it without
leaving it standing in the sun for a while: go for a ride, presumably?
Nick >> Stay informed about: Garage and insurance |
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External
Since: Sep 10, 2003
Posts: 717
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(Msg. 7) Posted: Mon Feb 18, 2008 2:05 pm
Post subject: Re: Garage and insurance [Login to view extended thread Info.]
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boots.DeleteThis@despammed.com wrote:
> On Mon, 18 Feb 2008 16:44:05 +0000 (UTC) in uk.rec.motorcycles, TD
> says:
>
>> I wonder what the consequences would be in the hypothetical scenario of me
>> not parking it in the garage, and it getting nicked. Hypothetically, one could
>> just tell them that it had been in the garage. Couldn't I, er I mean couldn't
>> one?
>
> Not anymore
>
> I think the last few policies I've had have said garaged if at home,
> so park it with one of your neighbour.
My policy says something along the lines of "within 0.5 miles of your
home address", so not that neighbourly.
--
Eddie eddie.DeleteThis@deguello.org
His: ZX-9R, Elefant 900 http://www.last.fm/group/ukrm
Hers: Monster S4R, GSX600F (breaking, everything must go!) >> Stay informed about: Garage and insurance |
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External
Since: Dec 26, 2007
Posts: 36
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(Msg. 8) Posted: Mon Feb 18, 2008 6:03 pm
Post subject: Re: Garage and insurance [Login to view extended thread Info.]
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On Mon, 18 Feb 2008 17:33:15 +0000, boots.DeleteThis@despammed.com wrote:
>On Mon, 18 Feb 2008 16:44:05 +0000 (UTC) in uk.rec.motorcycles, TD
>says:
>
>>I wonder what the consequences would be in the hypothetical scenario of me
>>not parking it in the garage, and it getting nicked. Hypothetically, one could
>>just tell them that it had been in the garage. Couldn't I, er I mean couldn't
>>one?
>
>Not anymore
>
>I think the last few policies I've had have said garaged if at home,
>so park it with one of your neighbour.
Mine is if it's not garaged, it's not covered within half a mile of
the house if left overnight.
--
ZX-10R >> Stay informed about: Garage and insurance |
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External
Since: Dec 20, 2007
Posts: 114
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(Msg. 9) Posted: Mon Feb 18, 2008 6:03 pm
Post subject: Re: Garage and insurance [Login to view extended thread Info.]
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On Mon, 18 Feb 2008 16:44:05 +0000 (UTC), TD
<topper.doggle RemoveThis @googlemail.com> squeezed out the following:
>Just acquired a new (used) machine. Insurance company want it garaged at home
>as part of the policy. This is a ballache as it means moving the car or bike
>out of the way if I want to use whatever's at the back. I used to park the
>old one in my paved front garden, tucked away in a corner with disclock and IR
>floodlight, and this has been good enough so far[1].
>
>I wonder what the consequences would be in the hypothetical scenario of me
>not parking it in the garage, and it getting nicked. Hypothetically, one could
>just tell them that it had been in the garage. Couldn't I, er I mean couldn't
>one?
Why not just go with what your conscience tells you?
--
Colin Irvine
YZF1000R BOF#33 BONY#34 COFF#06 BHaLC#5
http://www.colinandpat.co.uk >> Stay informed about: Garage and insurance |
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External
Since: Jan 28, 2008
Posts: 28
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(Msg. 10) Posted: Tue Feb 19, 2008 12:18 am
Post subject: Re: Garage and insurance [Login to view extended thread Info.]
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External
Since: Jan 28, 2008
Posts: 28
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(Msg. 11) Posted: Tue Feb 19, 2008 12:20 am
Post subject: Re: Garage and insurance [Login to view extended thread Info.]
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External
Since: Jan 28, 2008
Posts: 28
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(Msg. 12) Posted: Tue Feb 19, 2008 12:22 am
Post subject: Re: Garage and insurance [Login to view extended thread Info.]
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