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Bike Stolen - Insurance Problem?


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Posted

Hi,


I've just had my two month old 2009 Honda CBF 125 stolen, and I'm wondering if I'm going to have insurance problems? My mate had girlfriend problems, so we ended up riding to a pub for a few drinks, leaving our bikes outside locked up. We chained the back wheels together, and left them on the steering locks. However, once we got back in the morning both bikes were gone, and the floor was littered with wire-casings (hot-wired?).


Anyway, what I'm wondering: is it going to be a problem that my bike was not left in a locked garage at night, even though it is every single other night? I told my insurance people I keep it in the garage at night. I don't want to be down £1900 + £450 insurance because of a small thing like that...



Cheers all,

Dave

Posted

Don't think so mate... Would be surprised..


I think the general rule is "Where will the bike be stored for the majority of the time" They are means of transport and it has to be expected that they will be left places.


Sorry to hear about it though mate. Hope everything goes well.

Posted

Okay, but its a bit reassuring at least. I'll have to phone them tommorow, when they're open.



Cheers again :)

Posted

Korben is dead right the insurance is where the bike is most of the time , some companies put a proviso that it HAS to be in a locked garage overnight, if not then youre fine.

Posted

I can't see anything about that in my policy booklet, with all my terms and stuff in. Think I should be fine :)

Posted

It seems to vary based on insurer, although if you have declared garaged most will have a 'garaging clause' on your policy, examples:


1) No garaging clause would mean it doesn't matter, so normal excess would apply.


2) Must be garaged within x distance of your home location between the hours of y and z - as it says on the tin, the distance is usually a mile and times tend to be 10pm and 6am or similar. So if your pub is more than a mile away, it wouldn't apply :)


3) Must be garaged between y and z hours no matter what - not very common really, but in this case your garaging clause would apply to your situation.


Usually if you fail to meet the obligations of the garaging clause the excess is doubled, although it is 'possible' that some companies could refuse to pay out at all in those circumstances although i've been led to believe it would be rare for this to occur even then.


Out of interest what chain were you using and what size were the links?

Posted

I've just got my bike back. Was using a £55 Oxford chain, and apparently it just sheared through like paper.


Bike is F--KED. Ignition has been grinded out completely, all my clocks are broken, panels are smashed, no mirrors, no registration or L-plates, no lower side-panels, front forks are bent, handlebars may aswell be behind me on the seat theyre so bent, indicators are snapped off, chain is pretty knackered... the list goes on.



Not gonna be cheap to repair :(



Just thought i'd update you all though!

Dave

Posted

Sounds loke a bin job to me most of the time getting another will be cheaper than buying the parts, sorry to hear some scum knicked it!

Posted

It rides like a wheelbarrow - I had to get the thing home (about 4 miles), didn't really feel like going much further on it... a real death trap.

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