My motor policy has no exclusion about my bike being stolen (probably by being lifted into a van, by scrotes) when a spare key was hidden by being taped out of sight on the wishbone. Or indeed, any mention of a spare key at all.
My motor policy has no exclusion about my bike being stolen (probably by being lifted into a van, by scrotes) when a spare key was hidden by being taped out of sight on the wishbone. Or indeed, any mention of a spare key at all.
The problem arises when they come to pay out as they are buying the bike off you at that point (if its found it won't be returned to you) and they can ask for the spare key......THEN it can be a problem. Some policies may ask, do you have both keys when you take it out.
you have a vivid imagination - never seen such a term in an insurance contract
you have a vivid imagination - never seen such a term in an insurance contract
you have a vivid imagination - never seen such a term in an insurance contract
I am aware of at least one person who arrived in Barnsley, a small village near Cirencester, rather than the big place in Yorkshire.
I am also aware of a contributor to this thread and his monotreme companion discovering there are multiple Hooks in Holland.
Given that my insurer has no idea whether I have one key, two keys, six or ten keys, I wish them luck establishing which key is missing. Then mix in that there is no requirement on my policy not to secrete a key on my bike, means that I can rely on the pound of butter in my fridge to keep me safe. Others may differ. Others might not even lock their bike up.
Do whatever you like. If you prefer not to keep a dumb key secreted about your bike, then don’t.
Always kept a spare key taped in a secret place on the 'bike.
Tell us yer secret place, mate.
It varies… .... but you'll need a screwdriver or spanner to retrieve it