Insurance question

[CarlBCFC]

Im probably being a bit too cautious but if i put an abus lock on my policy it reduces the premium by about 50 quid, will they need any proof that i own it? As i wont buy one unless i need to prove it

[P.addy]

If you have your bike stolen and that isn't present/you don't have the keys for it. Toasted.

[CarlBCFC]

Ive got some security for it and im pretty confident it wont be nicked, and im probably gonna buy the lock in a month or two anyway but was jw if they needed proof or is it just when i wanna make a claim

[Dean-J]

Basically, lying to the insurance company will royally fuck you should things go wrong.

If your going to buy it in a month or two, tell them that, and ask for an amended price once you add it to your policy.

Insurance is a fuckin scam, I hate it same as most others, but at the end of the day giving them yet another reason not to pay out if somethin happened is pretty stupid tbh, especially over a paltry £50.

[Paulington]

Hey Carl.

Personally, with every security item I buy for the bikes (such as alarms/chains/disc locks/Datatags) I make sure I get the receipt and when I get home I copy them on to a full A4 page of paper whilst also scanning them into the PC, the receipt + paper copy goes in the "Insurance" folder in the filing cabinet and the digital copy on the PC goes into my "Insurance" folder on the PC.

That way, if this situation did ever crop up, I have proof I own what I said I own.

However, for the sake of £50 mate, is it worth it? Why not just put down the name of the security you have? Unless it's not listed on their drop-down menu thingy of course.

Speak to the insurance company, ask what to do and whether they will give you a premium reduction if you get the security in a month or so instead, but it's not worth it for the sake of £50.

Cheers. .
____________________
"Four wheels move the body, two wheels move the soul."
Current Vehicles: '89 Kawasaki KDX200, '99 Yamaha XV535, '00 Honda ST1100 Pan-European, '08 Suzuki GSX-R1000, '08 Mitsubishi Lancer GS4 2.0 TDCi, '15 BMW 1 Series 116d Sport Turbo.
CBT: 27/08/08. Theory: 04/09/09. Module 1: 16/09/09. Module 2: 01/10/09.

[BigDan1190]

Agree with Paulington.

Plus, it really doesn't make a difference. I have a Xena disk lock alarm. Just for curiosity's sake, I just did a quote with the xena disk lock, and then another with the Almax Series 4 chain with the best squire lock.

Not a pennies difference mate.

EDIT: for you good sir.

[A Biking Ferret]

[Beefamus]

[CarlBCFC]

its cool i have aquired extra funds so I'm gonna get the lock anyway first bike so dont want it to be nicked!