Insurance and Locks...

[Ollie1995]

I'm currently looking for quotes for my 125, all is fine apart from the section that asks about security measures. Most of the sites I've seen have drop down menus that have variety of well know (very expensive) branded locks i.e oxford... Is this due to testing regulations or something else? Basically I have to use the locks specified on the website or all my other un-branded locks don't count towards insurance?

Ollie.

[J.M.]

I don't declare locks. The insurance saving is minimal for me and it means that I don't need to worry about forgetting my locks when going out.

I use an unbranded chain and a CISA75 padlock.

The most insurance discount I could get for adding a chain was about £40, I think.
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2004 R1 & 2018 XSR900

[arry]

It's due to Thatcham approval - https://www.thatcham.org/security/pdfs/categories/MotorcyclesCAT3.pdf

Your non branded chains might stand up to a chainsaw or just as equally be cut up by a butter knife; the insurer won't have any data on it and, therefore, will not reduce premium / provide theft cover accordingly.

[Ollie1995]

[J.M.]

[barrkel]

Buy security on the basis of it stopping your bike from being stolen, rather than what it does to your insurance price. If you bike gets stolen anyway, that'll screw up your insurance premium for a while. Better to not have it stolen at all, IMO.

(We've had two scooters stolen from me while I had FC insurance (Yamaha deal with the scooters). I don't do FC any more.)
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Bikes: S1000R, SH350; Exes: Vity 125, PS125, YBR125, ER6f, VFR800, Brutale 920, CB600F, SH300x4
Best road ever ridden: www.youtube.com/watch?v=s2MhNxUEYtQ

[Flatbadger]

[Ollie1995]

some more good points, It seems strange that tpft can be cheaper than tp. I'm going to get some more quotes now.

[MaybeGuy]

If you declare locks... Your insurance is cheaper.

If your bike is stolen, the locks would be stolen too.

Make them prove you never had them.
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Blue_SV650S wrote: it was a sh1te wheelie, but it proves that he can get it up in 3rd and can do angles. In summery, mattsprattuk is a gobby little sh1tebag, dopehead tw4t, but sadly for all of us, he probably isn't THAT full of sh1te!!
Kickstart wrote: Hi I tend to agree with Matt. All the best Keith

[Joncrete Cungle]

I don't declare my locks, for some stupid reason many comparison sites don't have an Almax or Pragmasis as options for your security chain. Makes minimal difference to my quotes so I don't bother telling the insurance company about them. If the bike gets nicked without the padlock and chain fitted I am still covered. Bollocks to giving the bastard insurance companies another excuse to try and screw you over.

[arry]

[i.p.phrealy]

on another point, some of the more expensive chains have their own guarantee/insurance with them, meaning if your bike goes walkies whilst you were using the chain, you'll probably get your excess back from the chain company.
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it is impossible to lick your own elbow...
and if you just tried you need professional help.
Finally allowed a big bike 19/03/14!

[Themightyimp]

I use a heavy duty chain witha big padlock.It is non branded.
It was cheaper on my insurance not to declare it.figure that.
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1998 Yamaha FZS 600 Fazer
Now turned gay and got a cruiser.

[Bomberman]

lol, just experimented with a 1999 GSXR6. £178.24 TPFT with oxford chain and disc lock. £178.24 without Not sure if that's a reflection on the oddities of the Insurance companies or the shitness of Oxford products
To be fair, the disclock I have seems fine...
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'Allo! My name is Inigo Montoya, you killed my father, prepare to die!
'89 TZR 125 - '94 GPZ500s - ZK3 GSXR600 Alstare