Anyone lied to insurance companies? 'locked in garage'

[illuminateTHE...]

Yeah so i have been looking for some cheap quotes for a bigger bike xj6 fz6 are the only things i can insure atm

Yamaha XJ6 1ncb
residential: £3,176.88
garage: £2,283.23

Yamaha FZ6 1ncb
residential car park:3,906.98
garage:£2,804.77.

Now for the scary stuff if i do the same above but with 0 ncb.
Yamaha XJ6
residential car park: £6,565.33
garage: £3,520.45

Yamaha FZ6
residential car park: £8,086.40
garage: £4,805.29


So would it be worth it to lie? what are the chances of me getting caught in an event of a claim.
Also does anyone pay their neighbor for example £50 per month to use their garage, I'm just wondering as i could save a few ££ by doing so (thats if i find anyone trustworthy )
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Theory: PASSED Module 1: PASSED Module 2: PASSED 12/2012!!!

yzf r125 [SOLD] sv650 [CURRENT]

[t121anf]

you would pay any of those figures for insurance? more money than sense

[supZ]

sweet jesus those are some ridiculous quotes!

where is the bike located? south central LA??
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CBR954RR - Daily toy
CBR600RR - Trackbike

[esullivan]

I tend to tell the insurance companies that I have no security whatsoever, and then use a 16mm chain, locks, immobilizer, whatever. The day it gets stolen is the day I forget the chain or something and the insurer will give me a hard time about paying out.
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Current: '14 VFR800X Test passed 31/10/12.
Previous: '12 NC700S, '11 CBF 125, '04 SH 125.

[J.M.]

You're on 33bhp... get a different bike and restrict it. Same amount of power.

I paid £380 insurance last year with some quotes around the £300 mark. With my fault accident back in June... my insurance quotes are still coming back at £380.

Those are insane prices.
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2004 R1 & 2018 XSR900

[Snorty]

I lie only because I don't plan on claiming if it gets nicked, not worth it.
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Current: Yamaha FZ1 '07 | GSXR 750 SRAD

Past: CB125TDC | TZR125 | GPZ500 | CBR600F3 | ZX9-R | GSXR1000 K4

[J.M.]

[illuminateTHE...]

[Moo.]

Jesus I only payed around £360 per year when i was restricted... I wouldn't pay those prices..

Maybe you need to get a cheaper bike?
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A2 Passed 18/6/10

[illuminateTHE...]

[J.M.]

Bandit 600 is cheap to insure.
Bandit 1200 is also cheap to insure (but probably not worth restricting)
CB400SF is cheap to insure.
ER5 is cheap to insure, especially older ones.
GS500s are cheap to insure, even the GS500F (the faired one).
CB500 is also quite cheap.
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2004 R1 & 2018 XSR900

[Snorty]

[Timmeh]

[illuminateTHE...]

[Shinigami]

Those quotes are mental! how old are you? did you declare you were planning on a ride through iraq?

at 30 with 1 years ncb i get quoted £230 fully comp for the hornet.

£600 without ncb.
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Current: Honda City Fly CLR125 2003 Honda CB600F Hornet 2008 Yamaha FZ6 S2 + 1991 Kawasaki GPZ500
"Once you realize what a joke everything is, being the Comedian is the only thing that makes sense.

[Snorty]

Tried a 500cc? Usually considered more "sensible" by insurers and cheaper.

Was the same price to insure a 500cc when I passed as it was a 125cc.
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Current: Yamaha FZ1 '07 | GSXR 750 SRAD

Past: CB125TDC | TZR125 | GPZ500 | CBR600F3 | ZX9-R | GSXR1000 K4

[stinkwheel]

If they were charging me that much for insurance, I'd fucking walk or go by push bike.

Your insurance quotes are all more than I've ever paid for a motorbike.

I presume those are for comp. What are they like for TPF&T or TPO?

If you declare they are garaged, they just put a stipulation in the policy along the lines of if it's stolen within 5 miles of your house and it wasn't garaged, the excess is doubled.
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“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[iMark]

£180 Fully Comp for a 07 plate ER-5... @ 23 with 1 year NCB... Bike has no declared security, and is declared to be on the Driveway (Which I don't have... but the insurers told me to select that option as it is kept off the road)


Get a different bike.
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K8 GSXR 1000
"G" : you got him to have a look at a forum which seems to have established a picture of an erect penis in a cat's mouth as it's mascot and thought he might consider it ok?

[illuminateTHE...]

[Biker80]

[illuminateTHE...]

[Timmeh]

[J.M.]

[Timmeh]

very nice.

Although there is merit in thinking about a naked bike as they are a hell of a lot less expensive to fix when you drop it.
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GSXR400 x2 | '94 RVF400 | '93 TZR125 4DL (again)
20:22:30 BLUEX5: i would love to be forced to undergo a**l plugging with different sizes
20:48:18 Temeluchus: comp you hunk of smouldering homos3x you

[illuminateTHE...]