Skip to content

Ask an Expert stolen leathers and helmet from garage Insurance

You are in... Forums > Ask an Expert > Insurance > stolen leathers and helmet from garage

Got something to say?

Got something to say?

Go to most recent reply

nippinon

Joined:

Oct 09

Posts: 5

nippinon says:

stolen leathers and helmet from garage

A few weeks ago my garage was broken in to:mad: and my leathers, gloves and 2 helmets stolen. the insurance company say i am not covered as they should be in the house and not left in the garage. first of all am i the only one that leaves their leathers in the garage?:wacko:  

Does anyone have any advise 1

Thanks 

Reply to this Topic  
  • Posted 5 years ago (12 October 2009 20:13)

Post a message in Insurance

Fields marked with an asterisk * are required

   

Please note. You cannot submit more than 4000 characters as a message.

Upload image(s) from your computer (up to 3 images)

  1.  
  2.  
  3.  

Terms of use

Use of our community areas and forums is subject to important terms of use. By joining our community and using the features you agree to be bound by these terms. See terms of use below. 

Cancel
jaffa90

Joined:

Mar 09

Posts: 8930

jaffa90 says:

stolen

Welcome n,typical in`s co again it`ll be in the small print no doubt,i`ve never left my leathers in the garage because they need airing out to prevent mildew.Also some bike in`s co do ask if you want your leathers covered.

Reply to this Topic
nippinon

Joined:

Oct 09

Posts: 5

nippinon says:

stolen

Thanks for your reply. I have leathers covered by bike in's but only if i crash not for theft as they state home in's would cover that. nightmare!!


  

Reply to this Topic
callmeruss

Joined:

Jul 09

Posts: 3

callmeruss says:

other options ?

Don't we all love the insurance companies.. have you checked your house insurance  - alot of policies will cover all possesions on the premises (inc. garage) if you have a decent contents cover - another angle (only for recent purchses though) would be cover from your credit card company ?

Reply to this Topic
Mikeinho

Joined:

Jan 09

Posts: 109

Mikeinho says:

Try this...

Call your insurance co and ask them if your policy "covers the contents of your garage". Don't tell them what the contents of your garage are, just ask them that exact question and get a straight answer.

N.B. they will no doubt state that vehicles are not covered, as you have separate insurance for vehicles.

However, you will probably find that the contents of your garage are in fact covered, so long as the garage was locked. It doesn't matter that it was clothes that were stolen. Theft is theft, and there is no law that says you have to keep your clothes in the house, and it's unlikely that your policy will say otherwise.

It's up to them to prove that you were given sufficient information when you bought the policy that clothing stored in the garage was not part of the cover agreement.

Keep records of all your contact with them, don't divulge any info you don't need to, threaten to complain if you don't get anywhere, and finally go to the ombudsman if you’re not happy with their final decision.

Good luck!!

Reply to this Topic
nippinon

Joined:

Oct 09

Posts: 5

nippinon says:

Cheers

Thank you for your help.

Reply to this Topic

Page

Compare Insurance

Save money by comparing quotes. It's quick and easy

Motorcycles for sale

 

It's only £13.99 to advertise your motorcycle on MCN

Sell your Motorcycle

Motorcycle pricing tool

New! Find used bike prices