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HD
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PostPosted: 11:02 - 21 Oct 2011    Post subject: Security on Insurance? Reply with quote

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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UnknownStuntm...
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PostPosted: 11:49 - 21 Oct 2011    Post subject: Re: Security on Insurance? Reply with quote

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)
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Codemonkey
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PostPosted: 11:54 - 21 Oct 2011    Post subject: Reply with quote

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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nop
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PostPosted: 11:56 - 21 Oct 2011    Post subject: Re: Security on Insurance? Reply with quote

UnknownStuntman wrote:
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)


I think what he is angling at is 'Can the insurance company prove I didn't have a Thatcham approved lock on when it was nicked?'. As we know a lot of thatcham approved stuff is shite (see oxford hardcore monster whatever) it could feasibly have been destroyed in the theft and not recovered.
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DrDonnyBrago
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PostPosted: 12:00 - 21 Oct 2011    Post subject: Re: Security on Insurance? Reply with quote

nop wrote:
I think what he is angling at is 'Can the insurance company prove I didn't have a Thatcham approved lock on when it was nicked?'. As we know a lot of thatcham approved stuff is shite (see oxford hardcore monster whatever) it could feasibly have been destroyed in the theft and not recovered.


I have heard of them asking for the keys to the device you claim was attached. As for proving you didn't use something you have the keys for, not so sure.
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HD
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PostPosted: 12:01 - 21 Oct 2011    Post subject: Reply with quote

Codemonkey wrote:
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.


Thats what I was going to do. But if it takes £20 off and if it was knicked while it wasn't on and they wont say nothing then £20 is £20.


Cheers guys
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0ddball
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PostPosted: 12:21 - 21 Oct 2011    Post subject: Reply with quote

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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HD
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PostPosted: 12:32 - 21 Oct 2011    Post subject: Reply with quote

Fair point actually Thumbs Up
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DrDonnyBrago
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PostPosted: 12:40 - 21 Oct 2011    Post subject: Reply with quote

0ddball wrote:
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.



Unless they recovered the bike and the chain/lock was still unlocked and under the seat Wink .
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HD
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PostPosted: 12:46 - 21 Oct 2011    Post subject: Reply with quote

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 Laughing)
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t121anf
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PostPosted: 12:57 - 21 Oct 2011    Post subject: Reply with quote

depends if you can pass a lie detector when asked if it was fitted.
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LordShaftesbu...
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PostPosted: 13:04 - 21 Oct 2011    Post subject: Reply with quote

0ddball wrote:
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.

When my bike was nicked both chains and the cover were gone too. Plod said it was remove any fingerprints or DNA etc.
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Ingah
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PostPosted: 16:28 - 21 Oct 2011    Post subject: Reply with quote

t121anf wrote:
depends if you can pass a lie detector when asked if it was fitted.

So an insurer can force you to take the lie detector test...?

I call bullshit (until proved otherwise)
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J.M.
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PostPosted: 16:48 - 21 Oct 2011    Post subject: Reply with quote

t121anf wrote:
depends if you can pass a lie detector when asked if it was fitted.


May be wrong but the last time I heard about it you could refuse to the plod to take a lie detector test and still be well within your rights (i.e. not taking the test can't be used as evidence in court.. in fact the actual test results are not considered solid evidence yet either). So if you can refuse to take one for the police I'm fairly sure the insurance wouldn't have a leg to stand on if you said no Thumbs Up

Though with only 20 quid difference I'd go for no security due to the argument about giving the insurance less to fuss about Laughing
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0ddball
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PostPosted: 17:40 - 21 Oct 2011    Post subject: Reply with quote

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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Rob W
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PostPosted: 17:44 - 21 Oct 2011    Post subject: Reply with quote

0ddball wrote:
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.


They did when they nicked my GSX-R last week the cnut's. Nothing left of the bike or security attached to it (chain and disc lock).
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t121anf
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PostPosted: 18:28 - 21 Oct 2011    Post subject: Reply with quote

Ingah wrote:
t121anf wrote:
depends if you can pass a lie detector when asked if it was fitted.

So an insurer can force you to take the lie detector test...?

I call bullshit (until proved otherwise)


maybe this will help

https://www.thisismoney.co.uk/money/mortgageshome/article-1512762/Will-a-lie-detector-catch-you-out.html

i think, only think, it was on watchdog recently too as it was stopping genuine claims too due to the claimant being too nervous, some shite like that.
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HD
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PostPosted: 19:13 - 21 Oct 2011    Post subject: Reply with quote

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 Laughing
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LordShaftesbu...
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PostPosted: 19:21 - 21 Oct 2011    Post subject: Reply with quote

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.
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Ingah
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PostPosted: 19:58 - 21 Oct 2011    Post subject: Reply with quote

t121anf wrote:
[quote="Ingah]So an insurer can force you to take the lie detector test...?

I call bullshit (until proved otherwise)


maybe this will help

https://www.thisismoney.co.uk/money/mortgageshome/article-1512762/Will-a-lie-detector-catch-you-out.html

i think, only think, it was on watchdog recently too as it was stopping genuine claims too due to the claimant being too nervous, some shite like that.[/quote]

My interpretation of that article is that a few companies are trialling the technology and they of course would love to introduce it, but can't reject a claim based on it. i.e. they're using it to work out where to spend their "anti-fraud" efforts (e.g. the call back and attempt to trip you up stuff).

Even if it was pretty accurate, all it would flag up is "suspicious" at which point they'll have to investigate and find some real proof (good luck with that i say - they'll have to rely on policyholder stupidity there), else lose when the osbudsman/court gets involved.
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