Security on Insurance?

[HD]

So if you have a thatcham approved security device, your insurance goes down.

I just did a quote for the bandit, again, and if I list the alarmed disc lock I have, it cuts the quote by £20.

Thats all well and good but I rarely use it, I prefer to use my D-lock which isn't a decent brand.

So if the bike was stolen and I didn't have the disc lock on it, what would happen?

Would the insurance be void because it didnt have the security that I said it had on it?
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Rusty '02 Vito Camper + CBR600F3

[UnknownStuntm...]

Read the guidance from the insurance company.

In my case, I've told them my bike is garaged overnight. So in the policy documentation it quite clearly states there is an exclusion to the policy for theft, between the hours of 11pm and 6am where the bike is not kept in the garage.

Simples.

(the tl;dr of it is YES, btw)

[Codemonkey]

For the sake of 20 quid do you really want to find out ? I prefer the approach of giving the insurance scum the least amount of ways to weasel out of paying should I need to make a claim! I don't declare any security devices whatsoever.
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Test Passed 10/05/2011 Current bike: XJ6-N

[nop]

[DrDonnyBrago]

[HD]

[0ddball]

Apparantly the theifs often take the lock and chain with them for some reason. So i guess it would be impossible for the insurance to prove what was and wasn't fitted as long as you have the key as mentioned.
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ZXR750L

[HD]

Fair point actually
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Rusty '02 Vito Camper + CBR600F3

[DrDonnyBrago]

[HD]

Its only my disc lock that I would put on and it would either be on my bike, in my bag or sat in my garage (as usual )
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Rusty '02 Vito Camper + CBR600F3

[t121anf]

depends if you can pass a lie detector when asked if it was fitted.

[LordShaftesbu...]

[Ingah]

[Quornholio]

[J.M.]

[0ddball]

Lol, lie detector over the phone, 2 can play at that game. When you are speaking to them about the claim just make random beep beep noises and when they ask what you are doing tell them it's your fisher price voice stress analyser monitoring them. Their results would be worth about as yours in a court.
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ZXR750L

[Rob W]

[t121anf]

[HD]

You could just refuse to do it as you have heard they can give false results or it may be fixed to void your claim and you wont know about it.

Fuck it, it's only £20 and I never use the fucking thing anyway. It goes off when I put it on but when taking it off in the day I could shake the bike like a maniac and it won't go off. However, if it is dark, it always goes off when I put the key in the wrong way so I look like a complete twat
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Rusty '02 Vito Camper + CBR600F3

[LordShaftesbu...]

That lie detector bollocks has got to be bullshit. Unless they slip it into the contract? Even so it's well known lie detectors don't work.

If I buried the fact that I was gong to kidnap and sell your teenage daughter in a contract and you signed it, would it be enforceable? No it wouldn't.

[Ingah]