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Thread: Bike insurance question - garages/on the drive/on the road

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    Default Bike insurance question - garages/on the drive/on the road


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    This will no doubt have been done before, to death no doubt so apologies in advance.

    Running through the quote online, I have three options for where my bike is stored overnight:

    - In a locked garage
    - On the driveway
    - On the road

    My bike is stored in a communal/residents parking garage which can only be accessed using a fob which operates the roller shutter.

    I obviously want to say 'locked garage' but am unsure because it's not for my sole use but the other options are, IMO, too far to the other end of the spectrum.

    What would you choose?

    Ta.

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    Should Get Out More Reburner's Avatar
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    Default Re: Bike insurance question - garages/on the drive/on the road

    Locked garage.
    Cos that's what it is.

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    Should Get Out More Bigyin's Avatar
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    Default Re: Bike insurance question - garages/on the drive/on the road

    Quote Originally Posted by Reburner View Post
    Locked garage.
    Cos that's what it is.


    Wot he said ^^^^

    My bike is classed as in a locked garage .... its a wooden one some would call a shed but its a garage for the bike and its locked as the construction isnt specified

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    Default Re: Bike insurance question - garages/on the drive/on the road

    Thanks both, exactly what Maccecht said too.

    The difference in premium is significant. On the road/on the drive is £666.99 FC per annum. Locked garage is £172.92 FC per annum.

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    Default Re: Bike insurance question - garages/on the drive/on the road

    Ouch, must be a tasty postcode

    Seriously though, yeah, it's a locked garage. My insurance says it must be in said garage between 22.00 and 06.00 to be covered.

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    Default Re: Bike insurance question - garages/on the drive/on the road

    Quote Originally Posted by GiantPygmy View Post
    Ouch, must be a tasty postcode

    Seriously though, yeah, it's a locked garage. My insurance says it must be in said garage between 22.00 and 06.00 to be covered.
    Mine says if its nicked within 500m of my home address and wasnt in the garage then tough shit ..... so basically clean it and put it away

    Although its the first time i have notified a change of address on 3 vehicles and ended up getting money back from my premiums on all 3 even after an "admin" charge on the bike policy

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    Should Get Out More Yorick's Avatar
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    Default Re: Bike insurance question - garages/on the drive/on the road

    Quote Originally Posted by Bigyin View Post


    Wot he said ^^^^

    My bike is classed as in a locked garage .... its a wooden one some would call a shed but its a garage for the bike and its locked as the construction isnt specified
    Mine often asked if it was a brick built garage.

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    Default Re: Bike insurance question - garages/on the drive/on the road

    Council garages do not count and I doubt communal ones do either.

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    Default Re: Bike insurance question - garages/on the drive/on the road

    I’d call and ask.

    I can’t get my bike insured if kept on the road. They just say “no”.

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    Default Re: Bike insurance question - garages/on the drive/on the road

    Quote Originally Posted by GiantPygmy View Post
    Ouch, must be a tasty postcode

    Seriously though, yeah, it's a locked garage. My insurance says it must be in said garage between 22.00 and 06.00 to be covered.
    Quite a tasty postcode - Gillingham, Kent. The immediate area is fine but there is a pretty grim area a 10 minute walk away. TBH, the whole of Medway has a pretty bad rep because of Chatham and Gillingham.

    The development we live in is a mix of ‘professionals’ and students. There is CCTV all over the place (including in the garage covering the single vehicle entrance and the three pedestrian doors linking to the resi blocks).

    Quote Originally Posted by Yorick View Post
    Mine often asked if it was a brick built garage.
    If they asked that I’d be fine, it’s a brick built block of 300 flats.

    Quote Originally Posted by fingerpuk View Post
    I’d call and ask.

    I can’t get my bike insured if kept on the road. They just say “no”.
    You’ve got a Panigale, no? My bikes are a 2005 R1150GS Adventure and a 2008 Aprilia Caponord.

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    Should Get Out More Horse's Avatar
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    Default Re: Bike insurance question - garages/on the drive/on the road

    Quote Originally Posted by Bigyin View Post
    Mine says if its nicked within 500m of my home address and wasnt in the garage then tough shit ..... so basically clean it and put it away
    There was a story in MCN years ago, ex-thief telling some of his 'work'. Very targeted, after a specific bike. He had watched one guy whose bike they wanted. Only time it wasn't being ridden or was locked away, was Sunday morning, when he wheeled the bike out of the garage onto the drive to clean it. When finished, he left it outside with the engine running while he put away the bucket. Vroom.

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    Should Get Out More Bigyin's Avatar
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    Default Re: Bike insurance question - garages/on the drive/on the road

    Quote Originally Posted by Horse View Post
    There was a story in MCN years ago, ex-thief telling some of his 'work'. Very targeted, after a specific bike. He had watched one guy whose bike they wanted. Only time it wasn't being ridden or was locked away, was Sunday morning, when he wheeled the bike out of the garage onto the drive to clean it. When finished, he left it outside with the engine running while he put away the bucket. Vroom.
    Wouldnt surprise me at all .... its called lifestyling to identify patterns

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    Should Get Out More Yorick's Avatar
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    Default Re: Bike insurance question - garages/on the drive/on the road

    Quote Originally Posted by fingerpuk View Post
    I’d call and ask.

    I can’t get my bike insured if kept on the road. They just say “no”.
    Tell 'em you keep it my very secure garage

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