Insurance Garaged Clause!!

I recieved my insurance renewal on my Street Triple, which typically has gone up and was already more than I thought it should be.

So I had a look on MCN compare and the same insurer Hastings Premier came out at almost £50 cheaper for the same cover!!

Triumph Insurance came back with a reasonable price on MCN compare, so I gave them a call. After speaking to them they then even reduced their quote further, so I thought great I'll go ahead. I went through the process and was just getting ready to give them my credit card details, when the lady from Triumph Insurance ran through the policy terms. One of the policy terms is that if you state you keep your bike locked in the garage at home, and your bike gets stollen within 500 yards of your home then they will not pay out!!

I'm pretty sure that my existing policy and the policy on my Bonneville are both the same in that if the bike is stollen within x distance of home then I pay an increased excess, but they still pay out on the loss.

The Triumph Insurance sales lady tried to convince me that most other bikes insurers would be the same, i.e. no pay out if bike stollen from home and not locked within the garage.

So if for example you set out for a ride and realised you have forgot something, that means no parking the bike outside quickly nipping in the house to get forgotten item, or no leaving the bike to refill a bucket of water if washing the bike (even if you lock it). No, you would have to put the bike back in the garage and lock it.

This was a bit of a shock to me, and I'm trying to decide if this really is an issue or not, or do I just say that the bike is kept on private property (not garaged, even though it is 99.9% of the time) and pay an increased premium of about £50

Anyone have any views on this, or similar experience?

 

Ok, it got a bit weird...

I called BikeSure who insure my Bonneville, to see if they could offer a multi bike policy, and also to double check the terms of my Bonneville policy. It turns out that they actually are the provider for Triumph Insurance, and I was right about just an increased excess on my Bonneville in the event of theft from home. But this has now changed since I took out my policy and they no longer do this for new policies, and most other companies are now the same i.e. no pay out if bike stollen from home if not locked in garage.

However as I had, on the recommendation of the Triumph Insurance salesperson, got a quote from them for the Street Triple being parked on "private property" as opposed to "in garage" the underwriters for BikeSure now wanted a photo of both my bikes in the garage to prove where they are kept FFS!!

So I've just had to take a photo and email it to the insurance company

 

Insurance completed

Sent the photo of my bikes locked in the garage. Then called them again, spoke to a different lady, who informed me that I should not have had to send the photo She also answered an explicit question I had asked of the very first person I spoke to (supposedly at Triumph Insurance), which was: "would you still cover my bike if I was washing it and left it briefly to get a fresh bucket of water from the house?" - Initially I had been told NO, but she informed me (without me asking again) that under those circumstances the bike would be covered, and that it would only not be covered if you had used the bike returned home not intending to use it again and had not locked it in the garage. - I'm now totally confused (not hard to achieve) , so I just think I'll always be cautious and lock my bike away (as I usually do) when not in use

Anyway, the quote they (BikeSure) provided was still about £50 cheaper than my renewal quote from Hastings Premier for an equal/better level of cover, so I went ahead. I was told I could choose who I wanted the insurance with either BikeSure or Triumph...it was the same policy , I decided BikeSure to make life simpler with both bikes insured by the same named provider


So Triumph Insurance, BikeSure, and Adrian Flux are all the same company.

 

The policy explicily states the bike must be kept in a locked garage, whilst I was talking to the insurance provider they were careful to always prefix garage with locked.

I think the thing that surprised me was that previously any dealings I had with insurance companies the question was where is your vehicle usually kept, and you recieved a discount for mostly keeping it in a garage, rather than an explicit requirement to always keep it locked in a garage.

Anyway now I know

 

Hopefully I'll remember to check out Bemoto when the Bonneville insurance is due

 

Yes, I have to do the same, as I also specified 4k miles pa