insurance for Security Devices worth it or not?

[chano9]

I have been playing around with insurance quotes and I see no difference in insurance cost whether you get a security devices such as smart water, data tag, alpha dot. I have been trying with kawasaki er6n, er6f, yamaha xj 6, suzuki sfv 650 gladius motorbikes. Why is it, and shouldn't it bring the premium down. [/b]

[stevo as b4]

Consider what you'd have to spend on approved security devices to get a reduction in your insurance premium though?
Also not all insurers like the same products or recognise their worth.

If a bike is going to be left out and a about in places, then absolutely nothing will replace a good comprehensive insurance premium, and id rather spend more money on that, than on fancy locks and security devices. All any of the devices are good for is being a deterant and all can be bypassed with tools or know how.

Electronic tracking is possibly the only thing that might be useful on an expensive bike to trace where it's gone and have some chance of locating it. But then again it's not going to be joy riding scum that nick a 12K bike, and the people that can and would, would have such a machine stripped down to parts within 12hours of it going IMO.

For home use using more security devices is fine, and if it makes you feel safer or sleep better that's a good thing. But out and about id want a good insurance policy and a cheap lock and not the other way around!

[Ste]

You don't need to use large bold text.

Smart Water, Datatag and Alphadot aren't going to stop your bike being nicked.

Sure, there's a very very slight chance that should it be stolen, the security markings will lead to some or all of the bike being recovered but basically, they're worthless.

[Rogerborg]

Could be that both thieves and insurers have figured out that Plodforces aren't equipped for or bothered about searching for various types of marking on stolen-recovered bikes or parts.

Scotplod couldn't even tell me how many bikes are stolen, let alone how many they recover and identify via security markings.
____________________
Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[Taught2BCauti...]

[arry]

My view is you invest in security to stop it getting pinched - anything that's after the event is already too late; you wouldn't want it back, would you?

As for insurance - unless it's saving you a significant amount, I'd always declare no security whatsoever. If you declare security, you'll have an endorsement added to make it a condition precedent to liability that all declared security devices are in effect when unattended. Not quite so convenient when you 'forget' your disc-lock when popping to the shops.

[Copycat73]

last time i compared prices with or without a disk lock it came back @ less than £1 saving ..
and that was on an R1...
____________________
Whatever I post I have no citation and no intention of providing one..
caveat emptor

[Rogerborg]

I wonder if there was a temporary drop in professional thefts when AlphaDotTag first appeared, but now the gangs have figured out that it doesn't make a blind bit of difference.

Pure speculation, because I haven't found numbers. Feel free to FOI your local Copsquad, you may have better luck.
____________________
Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[arry]

This is going to be another newbie asking a single question and then doing one, isn't it?

[SuperMike]

[blackbosh]

My insurance man advised me not to declare any locks etc as it wouldn't affect the premium and if it did get pinched I would have to then prove that the lock was on the bike. Another way they could get out of paying if it wasn't recovered.