Motorcycle Insurance garaging clause

[pstm]

My Strom insurance is coming up and for a change the renewal quote is better than last years premium. Had a quick scan of the docs and noticed the insurer/underwriter had changed (to a company called KGM), checked for any other changes and saw this (I've starred out my reg):

"CMC - Garaging Endorsement - *******
Notwithstanding anything herein to the contrary it is agreed that Underwriters will not pay for any claim for loss of or damage to the insured
motorcycle when it is parked at the Insured's place of residence and/or the declared garaging address unless the motorcycle is kept in a properly
constructed and locked building as detailed to and agreed by Underwriters"

Gave Express Insurance a call who I am currently with to query it and yes, it does mean that if say you wheel the bike out of the garage then nip indoors for something and it gets nicked at that time they will not pay out!

Did some more price comparisons and all the comparable quotes used the same underwriter, with the exception of Hastings Direct who were about a tenner more (£132, but should get £26 topcashback) - they double the compulsory excess for the same clause, but at least you are covered.

Might be worth keeping an eye out if you are about to renew.

[Rusty Nuts]

"Yes sir, you'll be fully covered unless anything actually happens."

[mr_diver]

I'd rather make friend with traffic warden than insurance companies... at least the traffic wardens are open about stinging you!

Edit...
I had major issues with Bikesure a few years back - said I had no security devices on my bikes other than the locked door of the garage.
They said that was fine, then 2 days after I took out the policy they rang up wanting to know the ins and outs of a ducks arse... including what "sold secure" security I had fitted.
my answer - none.

They then informed me that in the small print of the policy document (that they only send you after you've paid) it states you must have at least 2 "sold secure" security devices fitted at all times when the bike is in the garage.
I do have them, I just don't want them listed on the policy incase I forget and the thing gets nicked and avoid the "oh sorry sir the locks weren't attached so we won't pay out"

The were also demanding a bunch of other stuff I won't bore you with but were looking at my house on google street view and because they camera car didn't go up the lane to my garage they wanted pictures in and out of the garage, up the lane and my house must be visible in the external view.
I told them where to shove there policy as it was within 14 days and for about 6 months got harassing letters demanding payment for cancellation even within the 14 days cooling off period.
They only went away after a strongly worded letter from my solicitor stating the facts and that they were not entitled to any charges and that further communications would be considered harassment and the police would be informed and possible civil case filed.

Didn't hear from them until Bikesure became a sponsor of the forum a while later and Barry@bikesure wanted to help me sort it and get back my custom - I told him publicly to stick it where the sun doesn't shine! - I won't go near anything that involves Adrian Flux group since.

I do have a nice chat with the advisors when I take out a new policy to check things over before I sign up now though.

[KingOrry]

@pstm - I questioned the very same clause with my insurer, they said that ‘common sense’ would be applied..
I wonder if we share the same ‘common sense’.

[Rixington43]

Whilst collecting the missus' Himmy from Rochdale the other year a bloke was wheeling out a shiny second hand Hyabusa and we said "Ooh, new bike day".
He replied "Don't get me started.........."
He'd traded in that exact bike 2 weeks earlier for a brand spanking Hyabusa to go to the TT on. Less than 600 miles later he left it parked outside his garage overnight whilst he was having some work done on the building and it was promptly lifted.
Insurance said no dice as it was within a certain distance of his garage but not in it as stated on the insurance.
He'd had to buy his old bike back to go to the TT and still had £12k in finance to pay off on the now presumably chop shopped new one.
Wish I hadn't asked but I certainly don't be leaving mine outside 😬

[timangus]

I renewed with Bikesure recently after Carole Nash wanted to hike my premiums, and discovered my wooden garage with concrete base and electric roller shutter door is a shed.

[Rusty Nuts]

My Trimetals steel motorcycle garage with concrete base, ground anchor, alarm and 2 door locks would probably identify as a biscuit tin.

[mr_diver]

Concrete block garage has an up & over door but has an asbestos roof - Am I still covered? 

[Phild]

Not for life insurance.

[mr_diver]

I try not to lick the roof

[Phild]

My bike is classed as either on my drive or on private property, depending on the insurance company.

It’s down the side of my house, polycarbonate roof and windows to the top of a 6’ stone wall my side, and a 10’ drop into my neighbours property the other. A very good security electric roller door. But open to my rear garden, down steep steps into the garden and no rear access to any of my surrounding neighbours gardens.

It’s probably in a more secure location than your average garage / bike shed. But none of the companies see it that way.

[Rusty Nuts]

"your carport has a door, sir."

[Sir Trev]

Has anyone actually checked to see if driveway parking is that much more than in a garage (same address obvs)? Might try that myself come renewal time as if its just a couple of quid different I'd rather pay it than get shafted if I ever have to leave the bike out unattended for any length of time and it gets knicked.

[FR22]

Has anyone actually checked to see if driveway parking is that much more than in a garage (same address obvs)? Might try that myself come renewal time as if its just a couple of quid different I'd rather pay it than get shafted if I ever have to leave the bike out unattended for any length of time and it gets knicked.

This. I checked out of curiosity and was less than 100£ difference, and worth it for the sake of it.

Mine is behind a wall, gate, 2 cars parked against the gate and even then I get nervous someone is going to roll, 2 cars out of the way, break the gate, and manage to get 2 bikes out of a 1 person passage way that takes me 7min to do, and I know how to angle the bars over every single block where the bikes allegedly won't fit.

[pstm]

Has anyone actually checked to see if driveway parking is that much more than in a garage (same address obvs)? Might try that myself come renewal time as if its just a couple of quid different I'd rather pay it than get shafted if I ever have to leave the bike out unattended for any length of time and it gets knicked.

When I spoke my current brokers, Express insurance about the clause I asked them to check for a policy that actually covered temporary parking on the drive and the quote was over double the price. Went with Hastings in the end (through topcashback's own compare service as I've never had them not payout) with their double excess clause. Their comp. excess is 150 so double isn't that terrible (I suppose).
Didn't do a driveway quote alas as couldn't be bothered, frankly. My quotes for my car (racy 2004 1.2 Mazda), Aprilia 1000 and the strom have always been in the £100 to 130 ballpark (61, rural Norfolk, bikes garaged, car on drive)

[Brockett]

Having more than one bike means I cannot adhere to the conditions of my Bikesure insurance. Bikesure define being in possession of a bike is only when I am sitting on it or when it is inside the designated garage which is locked.    I go to the garage to get 1 of 4 bikes  out.
As soon as I unlock the garage none of the bikes are insured.
I open the garage door and wheel the chosen bike outside and stop on my front yard and it is not insured and nor are the other ones in the unlocked garage.
I close the garage doors and lock them. The bikes inside are insured but the one on the front yard is not insured until I get on the bike.
When I return from the ride, get off and park on my yard in front of the garage,  that bike is not insured.
When I unlock the garage doors none of my bikes are insured.
When I push the bike into the garage it is insured because I am holding it, but the other three are not.
When I lock the garage doors then all four are insured.
A sort of "How to get the bike out insurance paradox".