garden - private property or driveway?

[Sid_The_Sloth]

Just a quick 1, live in a council house... the bike will be kept in the front (fenced) garden, should this be declared to insurance as driveway or private property?
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2013 Honda Shadow VT750C2B Black Spirit, 1994 CBR600 f2

[groovylee]

Ianal, but I would say that unless it has a dropped kerb for vehicle access, then it won't be classed as a driveway. If it is just a normal front garden with a person sized front gate, then it is on private property.

Just my opinion
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Past - 1988 honda revere 600, 1996 kawasaki gpz500s, 1999 Yamaha R6

Current - 2002 Aprilia RSV1000R & 1999 Kawasaki ZX6R

[Linux]

Tell them it's kept in an old bank vault buried in your back garden, sorted unless it gets nicked and you decide to claim?
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Two wheels are all I need.

[andym]

I have my bike on a driveway but told the insurance company it's private property because technically no one should be on the drive without good reason (ie postman, visitors etc), and even then they wouldn't need to hang around the driveway. After explaining this to the insurance company, they agreed it would class as private property.

Not sure about council properties though....

[-Matt-]

Private property

[BigDan1190]

Which is cheaper?

[Rogerborg]

[Musketeer]

Anything like that with a fence and gate is not to be accessed by the public.. It is your private property
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Current Bike: Yamaha XSR900 Previous bikes: Honda CBR1000RR Fireblade, Kawasaki ZX-6R Ninja, Aprilia RS125 2-stroke

[Marmalade]

I wouldn't make the decision. get on the phone and tell them it's parked in your private garden, gives them no excuse to question it in case of a theft claim.
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Nobby the Bastard: How yo tell the difference between the actual japanese and her just screaming because she's had live fish stuck up her arse? [url=https://www.nicks-shop.co.uk/bcf-goodies-15-c.aspGet BCF stickers and things here[/url] Reflective helmet stickers - Legal requirement in france - Clicky

[bikertomm]

[Sid_The_Sloth]

[Rogerborg]

[Sid_The_Sloth]

Not sure I'd be "teasing" many people on here when they find out that I've taken a walk down the brown lane and went for a Shadow Black Spirit loved the style and comfort of it since I first seen it over a year ago. Took a standard shadow out for a test and loved it despite the lack of grunt so decided to sign on the dotted line.

So after I throw myself of a bridge at Killiecrankie at lunch time I go pick it up from Edinburgh. Shall be a good day me thinks.
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2013 Honda Shadow VT750C2B Black Spirit, 1994 CBR600 f2

[Sid_The_Sloth]

Oh and to clarify, told the dude on the phone it was a fenced garden to which he asked if it was a secure compound or private property. So private property it is.
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2013 Honda Shadow VT750C2B Black Spirit, 1994 CBR600 f2

[daemonoid]

Just remember it's not always cheaper - I got better quotes for on street parking than I did a garage on multiple occasions.
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current: ducati monster 750
past: hyosung gt250r, bajaj pulsar 180, hyosung gt 125 comet
@thomasgarrard | www.straitjkt.com | www.racingseven.com

[Sid_The_Sloth]

Seriously?! I'd guess that there's probably been alot of garages broken into near your area but less bikes stolen from the road. Hell someone in my street had their house broken into in the middle of the night 2 weks ago, the only thing they stole was the car keys and subsequently the car.
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2013 Honda Shadow VT750C2B Black Spirit, 1994 CBR600 f2

[daemonoid]

[Golgarth]

The one I don't like is that my excess goes up if my bike is stolen within 500 yards of the house. Means you always think when you park up for ten mins whether you should put it in the garage, which is a pain.

[darkhorizon]

When I tell people I have a bike parked on the street in London they look at me as if I am mad. "How much that cost ya??" etc etc. Actually TPFT on an SDP policy is about £250 a year for a CBF600 ridden by a 30+ bloke - which isn't too horrific I thought. Cheaper than the car which is insured on same terms.
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2009 CBF600 - London hack - stolen then recovered - still going!
2006 CG125 - Was SORN'd, now back on road - sold Nov '16

[Sid_The_Sloth]

^^^^ If only it was that price for the shadow. If i say it's in a garage it drops the price by around £100, but sod saying that and then trying to prove it if something does happen.
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2013 Honda Shadow VT750C2B Black Spirit, 1994 CBR600 f2

[Wonko The Sane]

my back garden is a secure compound as the gate locks

The fact that two big blokes could kick the panel fence through doesn't really come into it.

[scorps]

costs me 94 quid fully comp for mine Sloth
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Do not presume that I am male.

[Sid_The_Sloth]

Damn you scorps!!! Haha.
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2013 Honda Shadow VT750C2B Black Spirit, 1994 CBR600 f2