Is your bike garaged?

CN say only garaged between 10pm & 6am

That's outrageous as it stops you filling up at the petrol station end of the road for an 8 hour stretch. That's a third of the day. Absolute charlatans and con artists.

What if your want to set off on your fully loaded steed at 05:30, swing a leg over....but then remember that you might have left the gas on, so you need to nip (or waddle) back in... your bike would not be insured against theft or apparently much else. It's a disgrace and something must be done about it. Bikermates cannot be dissed like this! Piss boiling, in a word!
 
Hastings, mentioned above, actually has four different endorsement wordings for its 'garaged' policy condition as follows...

14 Garaging warranty
Your insurer has accepted your insurance on condition that your motorcycle is kept overnight in a locked and secured garage. Failure to comply with this condition may mean your insurer will refuse to deal with any claim arising from your motorcycle being maliciously damaged, lost or stolen.

15 Garaging Warranty - (Increased Excess)
Your insurer has accepted your insurance on condition that your motorcycle is kept overnight in a locked and secured garage if your motorcycle is in the vicinity of your home address. Failure to comply with this condition will mean that the excess for each claim made under section 2 of your policy for theft or attempted theft will be increased to £500.

17 Garaging Warranty - (Excluding claims under Section 2)
Your insurer will not pay for any claim under section 2 for loss or damage by theft or attempted theft when the insured motorcycle is parked at the insured’s permanent place of residence and/or the declared garaging address, unless your motorcycle is kept in a properly constructed and locked garage.

18 Garaged Motorcycle Clause - (Increased Excess)
You have agreed that you will keep your motorcycle in a locked garage or building either at your home address or at the address declared to us when your motorcycle is not being used. If a theft or attempted theft of your motorcycle occurs within a 500 metre radius of your home address or the garaging address when the motorcycle is not in a locked garage or building, your insurer will double the compulsory excess.
The policy schedule will identify which one, if any, applies to any given policy. Worth checking rather than making assumptions and complaining after the fact.

These variations may occur because underwriting conditions have changed over time and 'old' wordings are left in to cover existing contracts; or because the 'same' policy is actually offered with different underwriters who have different views on the risk; sometimes its down to the risk of the insured address...like it or not, you generally pay more for, and have 'harsher' conditions placed on insurance in, say, central Liverpool than in Crieff.

Whatever...the point is, as Wapping has pointed out once or twice in the past...insurance policy conditions vary considerably, don't assume...make sure the policy you buy is right for your circumstances...it is not possible to do this without actually reading the policy documents! :augie
 
Hastings, mentioned above, actually has four different endorsement wordings for its 'garaged' policy condition as follows...


The policy schedule will identify which one, if any, applies to any given policy. Worth checking rather than making assumptions and complaining after the fact.

These variations may occur because underwriting conditions have changed over time and 'old' wordings are left in to cover existing contracts; or because the 'same' policy is actually offered with different underwriters who have different views on the risk; sometimes its down to the risk of the insured address...like it or not, you generally pay more for, and have 'harsher' conditions placed on insurance in, say, central Liverpool than in Crieff.

Whatever...the point is, as Wapping has pointed out once or twice in the past...insurance policy conditions vary considerably, don't assume...make sure the policy you buy is right for your circumstances...it is not possible to do this without actually reading the policy documents! :augie

What you have quoted above - are 4 separate, but all applicable - conditions to your insurance. They are not "options" from the look of them.

Looks like wherever you go, if your bike isn't garaged (say - on holiday) you will have an increased excess in the event of theft.

Al
 
Fortunately my classic insurance has the sensible proviso that the requirement for garage got your bike applies from 10 pm to 6 am


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What you have quoted above - are 4 separate, but all applicable - conditions to your insurance. They are not "options" from the look of them.

Looks like wherever you go, if your bike isn't garaged (say - on holiday) you will have an increased excess in the event of theft.

Al

No - they are all separate 'endorsements'...only one of which will apply to any given policy. The schedule for each policy will state which, if any, applies to the policy. If you haven't declared your bike 'garaged' then none of the above will apply.
 
No - they are all separate 'endorsements'...only one of which will apply to any given policy. The schedule for each policy will state which, if any, applies to the policy. If you haven't declared your bike 'garaged' then none of the above will apply.

I stand corrected

Al
 
Looks like wherever you go, if your bike isn't garaged (say - on holiday) you will have an increased excess in the event of theft.

Al

No, cos you're using it.
These conditions only apply when youre not using the bike. Most companys, including hastings, now have these policy wordings. I stopped using IAM cornhill because they basically said they dont cover the bike on the driveway 'at any time' if you state you garage the bike. As JB says, CN only require it garaged at night.
 
Also true.
It's fast getting to the point where you only have it to comply with the law. If you actually manage to get anything back should the worst happen, then thats a bonus.
 


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