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If bike got stolen from Mechanic's?

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Baffler186
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PostPosted: 10:20 - 12 Mar 2014    Post subject: If bike got stolen from Mechanic's? Reply with quote

Just wondering. Last time my bike went in for MOT, the local garage phoned and said it was ready. When I arrived, I paid and then he said "it's out the back all ready for you." So I went round to the side of the garage and there on a pavement was a row of about 6 bikes, and mine had the keys in it.

For Insurance purposes, if the bike got nicked from there, who's problem would it be?! I guess they'd be covered for bikes locked in their premises overnight, but out in the open (albeit still on their premises) sounds like they wouldn't be covered if keys are in it?

I'm assuming they don't just leave bikes out there all day, and maybe only put the keys in it when they know you'll be there in x minutes time. Anyone else come across this?
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Clutchy
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PostPosted: 10:22 - 12 Mar 2014    Post subject: Reply with quote

Quite a few mechanics do this, it worries me. Before I used to do my own mechanics I always told them not to leave keys in.
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The Disapproving Brit
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PostPosted: 10:34 - 12 Mar 2014    Post subject: Re: If bike got stolen from Mechanic's? Reply with quote

Baffler186 wrote:

I'm assuming they don't just leave bikes out there all day, and maybe only put the keys in it when they know you'll be there in x minutes time. Anyone else come across this?


You probably assume wrong. Think about it - if they know you're coming in, it makes much more sense to give the keys to the bloke you're going to see when you get there.

If it goes missing while its in their custody, it's their problem. If they've left the keys in it, they probably won't get a payout from their insurer, but that's not really your problem.

Getting the money out of them is probably going to be a right pain in the arse though. Far easier to find a mechanic that isn't retarded.
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ficedula
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PostPosted: 10:34 - 12 Mar 2014    Post subject: Re: If bike got stolen from Mechanic's? Reply with quote

Baffler186 wrote:

For Insurance purposes, if the bike got nicked from there, who's problem would it be?! I guess they'd be covered for bikes locked in their premises overnight, but out in the open (albeit still on their premises) sounds like they wouldn't be covered if keys are in it?


Yeah, my local garage does the same thing. IMO their insurance might not stump up, but they'd probably be liable even if the insurance wasn't paying out. You left your bike in their care, and (if they left it on the side of the road with keys in it then it was nicked!) you'd have a fairly good case of arguing they didn't take reasonable care of it.

Could be a right faff getting money off them if they didn't admit fault though.
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clancy
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PostPosted: 10:55 - 12 Mar 2014    Post subject: Reply with quote

They would be liable no matter what there insurance decides on the matter

You'll find that all garages do this near enough, the one I worked in and most other one I know of does. Keys were left in every car all day, they would be parked up and down the road and across the road in the car park. (Quiet area though to be fair). That way no one can lose the keys, and if any vehicle needs to be moved you don't need to try and find the person who has the keys etc. guys owned the garage 30 years, always done it, nothings ever been stolen as far as I knew of
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Baffler186
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PostPosted: 11:00 - 12 Mar 2014    Post subject: Re: If bike got stolen from Mechanic's? Reply with quote

timbstoke wrote:
Baffler186 wrote:

I'm assuming they don't just leave bikes out there all day, and maybe only put the keys in it when they know you'll be there in x minutes time. Anyone else come across this?


You probably assume wrong. Think about it - if they know you're coming in, it makes much more sense to give the keys to the bloke you're going to see when you get there.

If it goes missing while its in their custody, it's their problem. If they've left the keys in it, they probably won't get a payout from their insurer, but that's not really your problem.

Getting the money out of them is probably going to be a right pain in the arse though. Far easier to find a mechanic that isn't retarded.


Good point.
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covent.gardens
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PostPosted: 11:21 - 12 Mar 2014    Post subject: Reply with quote

Lax security, there is no acceptable explanation for leaving the keys in the vehicle.

Same thing happens in my yard at work on a daily basis. Keys left in ignition for the next driver. Or for anyone else that happens to walk through the open gate and drive off in whatever van they please.

Problem at my work is even if you put the keys where they're supposed to be, that's only a 15 meter walk (through another unlocked door)! Laughing

But they've never had a van/bike stolen so everything's fine, until the day that it happens.
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thewhyoffry
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PostPosted: 11:54 - 12 Mar 2014    Post subject: Reply with quote

I like the sound of this garage! Address please? - I fancy an upgrade...
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Rogerborg
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PostPosted: 13:19 - 12 Mar 2014    Post subject: Reply with quote

The fact that they do it probably illustrates that they've never had a bike stolen.

Yes, yours could be the first (and only) one taken like that, but if tiny theoretical risks like that bother you, why are you riding a bike?
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sabian92
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PostPosted: 20:05 - 12 Mar 2014    Post subject: Reply with quote

The garage I've used do this but they keep it inside and there's always somebody in there working on something so I don't care.

Leaving it outside with the keys in is a bit dodgy. Bit like leaving a "free if stolen" sign on it.
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