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So I buy an Oxford security chain...

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roo12
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PostPosted: 17:28 - 08 Jul 2012    Post subject: So I buy an Oxford security chain... Reply with quote

it costs £30 to add to my insurance policy, and will not decrease
my premium at all?! Shocked
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richrock
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PostPosted: 17:30 - 08 Jul 2012    Post subject: Reply with quote

Ironically, adding a Non-performance exhaust (eg Stainless) decreased my quote by a tenner.
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TheSmiler
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PostPosted: 17:32 - 08 Jul 2012    Post subject: Reply with quote

Personally unless it is listed I don't bother telling insurance companies that it is being used, as they don't need to know.
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J.M.
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PostPosted: 17:35 - 08 Jul 2012    Post subject: Reply with quote

That's what they call an "Administrative Fee". I call it a scam.

By the time they've taken the phone call and checked what adding the note to your policy costs, they're virtually ready to add the changes. They want £30 to hit that stupid enter key.

Personally, if you can afford it insurance wise, don't declare any security. Ever. Likewise with telling insurance you keep it on the street when you really keep it in a garage. That way that one time you forget to put the bike away or the one time you forget to put your chain on and it gets stolen, you've got nothing to worry about. Thumbs Up
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roo12
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PostPosted: 17:39 - 08 Jul 2012    Post subject: Reply with quote

yeah, I wish I hadn't bothered telling them now!

It just seems strange that something which can deter theft and lessens the chances of your bike being stolen, doesn't have any positive affect on your policy.
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Cuchulain
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PostPosted: 18:05 - 08 Jul 2012    Post subject: Reply with quote

I tried to tell my insurance policy that I had a chain and they said they require me to have as standard anyway.
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anthony_r6
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PostPosted: 18:05 - 08 Jul 2012    Post subject: Reply with quote

Maybe because they know it's an Oxford chain, thus easier to get through than a hot knife through butter Laughing
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P.
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PostPosted: 18:10 - 08 Jul 2012    Post subject: Reply with quote

AnPhonEh wrote:
Maybe because they know it's an Oxford chain, thus easier to get through than a hot knife through butter Laughing


Far easier than anything else to break...
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roo12
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PostPosted: 18:13 - 08 Jul 2012    Post subject: Reply with quote

Cuchulain wrote:
I tried to tell my insurance policy that I had a chain and they said they require me to have as standard anyway.


Never heard of that happening before, makes sense I guess.

AnPhonEh - Ha, I have to admit, this does seem like quite a thin chain! Better than nothing though, and saves me worrying Thumbs Up
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anthony_r6
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PostPosted: 18:18 - 08 Jul 2012    Post subject: Reply with quote

roo12 wrote:
Cuchulain wrote:
I tried to tell my insurance policy that I had a chain and they said they require me to have as standard anyway.


Never heard of that happening before, makes sense I guess.

AnPhonEh - Ha, I have to admit, this does seem like quite a thin chain! Better than nothing though, and saves me worrying Thumbs Up


I've got an oxford monster. I got it when I got my first bike, I also had a smaller one - from Halfords. Potential bike thieves had managed to saw through one link (about half the thickness of a Oxford Monster) but it must've taken them some time as they didn't bother going through the other half of the link, they just tried to bend it open - which they failed at.

As long as you keep it off the floor you stand a good chance of it being worth it's cost.
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instigator
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PostPosted: 18:26 - 08 Jul 2012    Post subject: Reply with quote

That's why I use ebike. No administration fees when making changes Very Happy
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roo12
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PostPosted: 18:29 - 08 Jul 2012    Post subject: Reply with quote

Quote:
I've got an oxford monster. I got it when I got my first bike, I also had a smaller one - from Halfords. Potential bike thieves had managed to saw through one link (about half the thickness of a Oxford Monster) but it must've taken them some time as they didn't bother going through the other half of the link, they just tried to bend it open - which they failed at.

As long as you keep it off the floor you stand a good chance of it being worth it's cost.


That Oxford Monster one sounds pretty good, I think I have a standard one which must be a bit smaller, but I'm sure it'll do the job ok. When you say keep it off the floor, you mean so that it stays in good condition?
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roo12
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PostPosted: 18:32 - 08 Jul 2012    Post subject: Reply with quote

instigator wrote:
That's why I use ebike. No administration fees when making changes Very Happy


That's really good, never heard of any company without admin charges for making changes.. very tempting! Although I do have a good price with my current insurance, so can't complain too much.
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Aperf
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PostPosted: 18:52 - 08 Jul 2012    Post subject: Reply with quote

roo12 wrote:
That Oxford Monster one sounds pretty good


You reckon? 14 seconds and its chopped in two.

https://www.youtube.com/watch?v=VC3hFr8p2ck
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Chris750
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PostPosted: 19:58 - 08 Jul 2012    Post subject: Reply with quote

apexperf wrote:


You reckon? 14 seconds and its chopped in two.

https://www.youtube.com/watch?v=VC3hFr8p2ck


To be fair they are cutting the Oxford Monster which is less expensive and has smaller links than their series 3. So they are comparing smaller chains that can be cropped to their larger chain which is too large to crop.

The Oxford Nemesis has larger 16mm links (like the Almax 3) which I believe are too large to get between the jaws of a cropper.

If you need to cary a chain to lock up your bike when your out then a smaller chain is easier to take with you. If the bike is left in the open and chain to an immoveable object it will have a good chance at staying secure.

If you are locking it overnight then a large chain is what is required.
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Andy_Pagin
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PostPosted: 20:42 - 08 Jul 2012    Post subject: Reply with quote

I bought an almax, dwarfs any other chain I've ever seen and genuinely unbreakable, worth the expense for the peace of mind.
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WannaBeDude
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PostPosted: 21:02 - 08 Jul 2012    Post subject: Reply with quote

Non hand crop able, breakable in 2 mins there or there abouts.
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Polarbear
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PostPosted: 22:27 - 08 Jul 2012    Post subject: Reply with quote

Andy_Pagin wrote:
I bought an almax, dwarfs any other chain I've ever seen and genuinely unbreakable, worth the expense for the peace of mind.


Nothings unbreakable. Especially nowadays with decent battery powered angle grinders.

As has been said many times, if someone wants your bike badly enough, they will take it. You are paying for a chain to stop the joy riding scrote so they will pass on to a bike that takes less effort to nick.
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WannaBeDude
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PostPosted: 22:50 - 08 Jul 2012    Post subject: Reply with quote

The Almax vids show large chains being cropped, the making of the chain is whee the strength truly lies not the thickness per say.

Afaik, Almax whilst still only a mins or 2 .. Take more grinding than the cheesy ones Mr. Green
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Rogerborg
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PostPosted: 22:56 - 08 Jul 2012    Post subject: Reply with quote

roo12 wrote:
instigator wrote:
That's why I use ebike. No administration fees when making changes Very Happy


That's really good, never heard of any company without admin charges for making changes.. very tempting! Although I do have a good price with my current insurance, so can't complain too much.

eBike aren't the cheapest, but they often have money-off deals kicking around, and if you're planning to make any changes to your bike(s) over the next year, it's well worth factoring that into the total cost. Being able to do everything online without dealing with a phone monkey is also a bonus (for me, anyway).
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Polarbear
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PostPosted: 23:15 - 08 Jul 2012    Post subject: Reply with quote

covdude wrote:
The Almax vids show large chains being cropped, the making of the chain is whee the strength truly lies not the thickness per say.

Afaik, Almax whilst still only a mins or 2 .. Take more grinding than the cheesy ones Mr. Green


While I do accept Almax chains are good, I would rather an independant view than Almax's own sales video.
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ruck bodgers
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PostPosted: 23:19 - 08 Jul 2012    Post subject: Reply with quote

never been impressed with oxford gear . i remember a while back they did those promotional lil handy tool kits . even those looked shit . the only reason i would buy anything by that brand is if it is made in england by english people i can sacrifice the extra cash for less quality if that is the case . but for all i know there stuff is made in china and shipped over .
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WannaBeDude
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PostPosted: 23:22 - 08 Jul 2012    Post subject: Reply with quote

Polarbear wrote:
covdude wrote:
The Almax vids show large chains being cropped, the making of the chain is whee the strength truly lies not the thickness per say.

Afaik, Almax whilst still only a mins or 2 .. Take more grinding than the cheesy ones Mr. Green


While I do accept Almax chains are good, I would rather an independant view than Almax's own sales video.


Well, we did not see much protest from other sellers, funny how they did ot want to advertise it or prove otherwise.
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Polarbear
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PostPosted: 23:52 - 08 Jul 2012    Post subject: Reply with quote

My present form of transports chain would beat Almax. You might have trouble carrying it though Laughing

https://img843.imageshack.us/img843/8536/p6150005d.jpg
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Walloper
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PostPosted: 06:23 - 09 Jul 2012    Post subject: Reply with quote

roo12 wrote:
yeah, I wish I hadn't bothered telling them now!

It just seems strange that something which can deter theft and lessens the chances of your bike being stolen, doesn't have any positive affect on your policy.


Well it seems to be cuntish but...
Think about it this way:
You are the Insurer, you accept that an insured will 'protect' his property as he has 'promised' with the addition of a big ef-off chain and padlock so you offer to reduce his premium as it may reduce your risk of paying out on a theft.
Then the guy/gal forgets (or doesn't bother their beaver) to use the device you 'trust them' to employ and the property is lifted by some Nigerian Pikeys.
What would you do?

I agree it's simply Skamery those feckerz get away with.
We can do nothing or little to avoid it.
They say its because the rates thay charge are fat free so no room for wiggle later.
I have not been chaged by bennetts for 'Mid-Term' changes to policies but other shysters have.
My solution is not to use those companies ever ever again.

As suggested, there's no need or requirement to inform them you use Chains/Padlocks or a Brace of Big Fuking Dogs to cover your property.

Proverb:
'Sometimes in life it's better for some to not know stuff.'
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