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jamie85

Joined:

Jun 14

Posts: 3

jamie85 says:

Do I need to lock my bike in my driveway?

I am curious if I am required to lock my bike while it is parked on my property? Is this down to the specific insurer?


The only exclusion the insurer specifies in the policy document is :

"Loss or damage arising from theft whilst the ignition keys have been left in or on your bike."

Thanks.

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  • Posted 61 days ago (23 June 2014 10:17)

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ninjachica

Joined:

Jul 08

Posts: 4364

ninjachica says:

Depends

Do you want to find your bike where you left it?

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jamie85

Joined:

Jun 14

Posts: 3

jamie85 says:

Yes

Yes, but I'd still like to know if the insurer requires it to be locked up. 

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outlookexcess

Joined:

Sep 12

Posts: 193

Mine does

It's because around 80% of bikes are stolen from the owners property.

Bit of a no brainer really


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jamie85

Joined:

Jun 14

Posts: 3

jamie85 says:

They do

"Bit of a no brainer really"


So the insurer does require it to be locked.

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jaffa90

Joined:

Mar 09

Posts: 8874

jaffa90 says:

ins

I`ve had umpteen ins com,

they all ask ( will the bike be locked up when NOT in use,) or similar and we all state yes.

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stirfry

Joined:

Jan 08

Posts: 685

stirfry says:

even if it

isn't required, it'll save you the hassle of going through a claim. As soon as the errr scrap men see it, it wont be there very long.

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James600zx

Joined:

Sep 07

Posts: 2798

James600zx says:

"Do I need to lock my bike in my driveway?"

They probably asked you what security you have fitted or make use of. On my original application I had to list what alarms and specific lock & chain combos I use. I don't recall seeing that on the renewals but check the small print. They don't seem to require that you lock it to anything so if thieves lifted it into a van with a lock dangling from the wheel I'd guess you'd still be covered.

You could ask them...

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babyblade41

Joined:

Aug 05

Posts: 7568

babyblade41 says:

Jamie

you will have to make sure that apart from hiring the SAS you will have done everything possible to prevent theft from your driveway.

So ground anchors , alarms anything which will deter a thief.

Usually the insurance quote will ask what security measures you have in place as was stated 

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weasel64

Joined:

Mar 07

Posts: 3162

weasel64 says:

jamie

even if the ins co don't say it has to be locked , you'd be a fuggin idiot not to !!!!!

any " deterrent " is better than none man ..

take that from a man that KNOW'S !!!!

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philehidiot

Joined:

Feb 09

Posts: 4738

philehidiot says:

What I do

is I do several quotes with different options. I usually insure the bike without security. So for example when I was keeping it on a drive, it was insured to be kept unsecured on the drive. This is because the risk of me crashing was seen as higher than the risk of theft and so the cost was the same. It also meant that if on one occasion I forgot to secure it, they couldn't screw me over. If you insure it with locks and chains it is assumed you will be using them all the time and if you don't you may not be insured.


So if it's insured as "left overnight on a private drive" with no security devices attached to your policy, my understanding is that this means it's insured if you leave it not locked up on the drive. Obviously you'd be mad to not secure it properly with a good chain and lock - a proper one, not a £20 job that a junior hacksaw will see to. If you want to reliably find your bike where you left it, then you want to be spending £100+ on a chain. I use a very high quality alarmed disc lock when I'm out as I park in very public places. If I was parking in quieter places, I'd be securing with my exceedingly beasty chain.

So in conclusion - it depends on how you insured it to be left overnight and what security devices you specified on the policy. If you specified security, it must be employed and if it gets nicked you may well be asked to provide evidence of damaged chains / locks. If of course you fake that and the police find out, you'll be charged with perverting the course of justice as well as any fraud offences you've committed - the former alone often carries a custodial sentence as they don't take it lightly.

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