Irritating Garage-Related Insurance Clause.

[Nefeco]

I bought new insurance through Bennets. The policy says that my bike's not insured if it's nicked within 500m of my garage, so has to be put in the garage (in theory) every time I "pop home" for a minute.

Now, we live on a hill...our drive is on a 20+ degree slope, which I have to carefully reverse my 12-ton Bandit down in order to get it into the garage, which can take a while!

Previous policy insisted the bike was garaged 10pm-6am (fair enough) but this 500m "zone-of-no-insurance" around my garage is really going to piss me off. I might have to change it.

Anyone else got something similar in their insurance terms?

--N.

[HJM]

Nothing similar but why didn't you spend the 10mins needed and read the contract before you signed it lol?

Tough luck i guess!
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"90% of all statistics are made up"

CBT-18/04/2013

[Hetzer]

Where's the option for "No, I don't have such a policy and wouldn't touch one with a pole"?
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"There's the horizon! Ride hard, ride fast and cut down all who stand in your way!"

[.....]

That's why I never put any garage (not that I have one anymore), security devices etc as listed on my insurance because it's Sod's Law that the bike will be nicked that one time I forget to lock it up.

[The Shaggy D.A.]

So if your bike is nicked from outside your house, you crowbar your garage open, don't you.
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Chances are quite high you are not in my Monkeysphere, and I don't care about you. Don't take it personally.
Currently : Royal Enfield 350 Meteor
Previously : CB100N > CB250RS > XJ900F > GT550 > GPZ750R/1000RX > AJS M16 > R100RT > Bullet 500 > CB500 > LS650P > Bullet Electra X & YBR125 > Bullet 350 "Superstar" & YBR125 Custom > Royal Enfield Classic 500 Despatch Limited Edition (28 of 200) & CB Two-Fifty Nighthawk > ER5

[Hetzer]

[daemonoid]

[LordShaftesbu...]

God, I wish I HAD a garage.

[kawakid]

What if you are washing your bike?
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I've a twin and a 4.

[Kingstondavo]

I get charged double the excess (£400 instead of £200) if it is nicked and is not in my garage...
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Current Ride - 2010 Hornet 600

[Rogue_Shadow]

[map]

What a surprise
Insurance company inserts a clause to screw over policy holder.
Don't worry, even if your bike is nicked more than 500m from your home they'll rewrite the laws of physics and geography to show it was and it'll still be your fault.

Oh and your bike will suddenly be worth a pittance of its resale/purchase price and you ought to be damn grateful the company is offering you that. However, that's a standard condition and code of practice used by all insurance companies.
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...and the whirlwind is in the thorn trees, it's hard for thee to kick against the pricks...
Gibbs, what did Duckie look like when he was younger?

[_matt]

Being a student AND in employment thankfully means i can pick and choose when i switch insurance. My last quote was:

I am:
Student - up to 1k miles a year, Occasional use only - £190
or
Full Time Employed - up to 10k miles a year, everyday use comuting + buisness - £140

clearly nobody likes students who rarely use motorbikes!
*above comparison was curiosity only, im not a weekend warrior

And yes, I have the same garage clause in my current insurance with Swintons, brought it online and wasn't mentioned till i got the papers through after.

[Walloper]

[Nefeco]

I've queried it with them and it's nothing like as bad as it first seems...

--N.

[StormCrow]

So... what did they say? Or are we supposed to guess?

[Benno]

- Park 501 metres away
- Run inside to grab your wallet/item you forgot
- Run back to bike
- If bike is stolen, whoop-dee-doo, insurance payout because they were such idiotic pillocks
- If bike not stolen, repeat until stolen or until desired fitness level attained

[Walloper]

[Joncrete Cungle]

My excess goes up from £100 to £500 if my CBR is stolen within 500 meters of my house, should have checked the small print as the RVF insurance contains no damn clause like that.

[janner_10]

Then say it was nicked from somewhere else, more than 500 meters away.
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Yamaha FZS600 (Now gone to heaven) > CBR600F4i (SOLD) > '99 YZF-R1

[TamaJosh]

Mine is the same, I just garage it religiously.

Mild annoyance but then my bike is a feather light ninja 250, not a 12 ton monster
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Avoid HASTINGS DIRECT SCUM
https://www.bikechatforums.com/viewtopic.php?t=235369
Just doing my bit

[shereen]

[willis1337]

I wish I had your problem!

No garage and can only get one company to even give me a quote (£630 with £650xs) as no garage (due to worth of bike - 1 year old K1300S), despite extensive security (2x cemented in ground anchors, abus chains, alarm, locked on bike cover, on private land, outside of house in decent area).
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Current bike: KTM SD1290GT
Previous bike: BMW K1300S

[U_W v2.0]

[daemonoid]