Renton
World Chat Champion
Joined: 29 Sep 2008
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Teflon-Mike
tl;dr
Joined: 01 Jun 2010
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 Posted: 13:42 - 09 Apr 2011  Post subject: Re: Alarm/Immobiliser |
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| Chalky wrote: | I am looking at buying a friend's bike, however his only means of security is a bloody big dog.
Before I start ringing around for quotes, can anyone suggest a decent Alarm/Immobiliser that would bring down the insurance? |
We had the same question a year ago, when it looked like Snowie's Insurance was going to go balistic for yet another theft claim.....
So, starting 'The Pup Project', we used the Insurance Quote sites, and simply ran the numbers choosing each of the different listed alarms, imobiliser, to see which brought the price down most, then went off and googled prices of what had most effect......
In her case, bludger all DID tbh.
Wasn't until she claimed top of the range £400 Thatcham approved alarms Imobilisers or substcription tracker services at howver many thousand to install and more per month for the subscription than the actual insurance installments, it brought it down more than £50!...... though that did represent between 20 & 50% of premium price!
Running the scenarios on different site quote generators, they all listed different makes and models of security device, and had different effects on different companies policy prices.
So my conclusion was, its pretty 'Random', and there aren't any really hard and fast reccomendations, or top choices.
Debate on another thread, pondered declaring security devices, like top of the range chains, and pottential that if you only used a big heavy lock like that outside your house, and the bike was nicked from a car park with only a disc lock on it, they could wrangle out, claiming that declaring the heavy chain, its implied you ALWAYS use the heavy chain, not just when parked at home address, and such stuff.
To which conclusion, sense is to take the 'hit' on the insurance premium, declaring the least security you can, so they cant wrangle out of you forget to use some, or you don't install a ground anchor out side sainsburies so you can lock your bike to it when you pop in for a pack of fags and a bottle of milk.
While the sort of top end security that have realistic influence on insurance premiums, are really only 'ecconomical' against the saving on insurance premium, if you have a REALLY high premium price, or are struggling to get insurance at all.
For Snowie's bike, we fitted a Cheap Cyclone, means we can tick the box on the insurance for 'Alarm and Imobiliser', and a permenant fit, that bit at least will be used outside the papershop, but disc lock and chain, no point telling them, for the effect it has on premium, and risk they can use it as a wheedle point.
Its a cheap alarm, and no one takes a blind bit of notice of it going off,..... apart from the Dog, running into the bike in the dark chasing a cat when he gets kicked out to do his business....... and comes running in tail between his legs........ SOME useful security device HE is  But, bit of extra 'protection'. though even its pitiful perchase price would be hard to offset against insurance premium savings!
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My Webby'Tef's-tQ, loads of stuff about my bikes, my Land-Rovers, and the stuff I do with them!
Current Bikes:'Honda VF1000F' ;'CB750F2N' ;'CB125TD ( 6 3 of em!)'; 'Montesa Cota 248'. Learner FAQ's:= 'U want to Ride a Motorbike! Where Do U start?' |
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blinky
Nitrous Nuisance
Joined: 29 Mar 2009
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anthony_r6
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Joined: 31 Mar 2011
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