House as a garage!?

Adam.I · World Chat Champion Joined: 23 Jun 2004 Karma :

Hey people. I don't have a garage which is a bit of a shame. As I am looking to get either a Cagiva Mito, Aprilia RS or Honda NSR 125 for my first bike, I have been looking on insurance quotes, and I have noticed that if you have a garage, you save roughly £1000! So, would it be allowed that I could use my house as the garage? Sure it'd be inconvenient to me but so is minus £1000!

Thanks, Darryl

Frost · World Chat Champion Joined: 26 May 2004 Karma :

Yes you could probably get away witht hat. by garage i think they mean secured lockable structure. house/extension/building should all count really

Adam.I · World Chat Champion Joined: 23 Jun 2004 Karma :

I think the best thing to do would be to just ring several insurance quoters up and see what each says about it. Thanks anyway though.

Mattastic · Trackday Trickster Joined: 03 Aug 2003 Karma :

My mate has is CBR600 insured as garaged but it is in fact in his living room until he gets his bikesafe or whatever they are called, and they were cool about it.

The main problems are:

1.) Your house will probably stink of oil / petrol / both.
2.) Road grime from your tyres spread around your house.
3.) Getting the bike into the house, you'll be suprised by how much space they actually take up.
4.) Your house insurance may not like it as they can be a fire risk.
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Too skint to buy a bike Sad

Mr C · World Chat Champion Joined: 24 Feb 2003 Karma :

I know somebody who keeps his busa in the front room

he has also just intalled a full turbo/water injection sysytem on it

all in his front room Rolling Eyes

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187.3bhp = 201mph

Mr Pants! · I Karma Joined: 29 May 2004 Karma :

£1000!!!!!

How much is your insurance then?
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Mr Pants! (Alex or Al)
Its better to burn out, than to fade away....

rsooty · Spanner Monkey Joined: 16 Jun 2004 Karma :

mazza · Nova Slayer Joined: 27 Apr 2004 Karma :

I agree with Mr Pants. I think you need to shop around Enrique. An extra £1,000 smackarooney's (oops sorry!) just because you don't have it in a garage appears too steep.

Do you have room on the side of your house to create a basic 'lean-to'? Put it there. It would only cost a couple of hundred to put up and it would be a convenient way to keep your bike in good condition.

Adam.I · World Chat Champion Joined: 23 Jun 2004 Karma :

For a honda NSR 125cc, my insurance is £1,673.13 and that's TPFT and keeping it in a 'garage', but I am only 18, without, it's £2,418.79. This one is £800 difference, one was £1000 and i think i remember another being £1,200! I think i'll just say it's in a garage but really in my room or something.

JonB · Afraid of Mileage Joined: 03 Jun 2004 Karma :

Where was that quote from!!! Shocked

Try www.bennetts.co.uk Cool

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Be careful whose advice you buy, but, be patient with those who supply it. Advice is a form of nostalgia, dispensing it is a way of fishing the past from the disposal, wiping it off, painting over the ugly parts and recycling it for more than it?s worth.

Adam.I · World Chat Champion Joined: 23 Jun 2004 Karma :

Bennetts is even worse I think, i'll try though, let you know...

Adam.I · World Chat Champion Joined: 23 Jun 2004 Karma :

Right, just filled out their form, and I got quoted £1557.15 of CGU so £100 more in my pocket.

JonB · Afraid of Mileage Joined: 03 Jun 2004 Karma :

Is that Garaged as well?! Shocked

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Be careful whose advice you buy, but, be patient with those who supply it. Advice is a form of nostalgia, dispensing it is a way of fishing the past from the disposal, wiping it off, painting over the ugly parts and recycling it for more than it?s worth.

Adam.I · World Chat Champion Joined: 23 Jun 2004 Karma :

Yup, why so high? Age, rough area, inexperienced?

JonB · Afraid of Mileage Joined: 03 Jun 2004 Karma :

Well Im 17 next year and looking to get a suzuki GS500 and insurance for that is £750 TPFT, ungaraged! Wink

But I will hopefully have 1 years no claims anyway.
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Be careful whose advice you buy, but, be patient with those who supply it. Advice is a form of nostalgia, dispensing it is a way of fishing the past from the disposal, wiping it off, painting over the ugly parts and recycling it for more than it?s worth.

Adam.I · World Chat Champion Joined: 23 Jun 2004 Karma :

Your going restrict it right? Who are you using for that quote? Do you live in rough area or quiet one?

JonB · Afraid of Mileage Joined: 03 Jun 2004 Karma :

Live in a Band A insurance area, the cheapest possible insurance area.

Its with Bennetts, and yes it will be restricted to 33BHP. Cool

Find out what insurance band you are in here:

https://www.talkaudio.co.uk/vbb/showthread.php?s=&threadid=25073
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Be careful whose advice you buy, but, be patient with those who supply it. Advice is a form of nostalgia, dispensing it is a way of fishing the past from the disposal, wiping it off, painting over the ugly parts and recycling it for more than it?s worth.

Josh · Traffic Copper Joined: 21 May 2004 Karma :

My GS500E TPFT is the same kind of price as Scratchers.
And he lives in Somerset, it is from what I know of it, about as rough as where I live, Devon.
So on the whole, it is a nice little place for old people to retire too and so on.
Not really crime central or anything.
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04 Suzuki GSX-R 600 K4 - Sex on wheels :>
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Josh · Traffic Copper Joined: 21 May 2004 Karma :

Ah he beat me to it, damn posting at work I can't be so fast :<
That link is great.

Bendy · Mrs Sensible Joined: 10 Jun 2002 Karma :

Don't use Bennetts. Just don't.

Talk to Danny, he'll get you a cheaper quote. Thumbs Up

Adam.I · World Chat Champion Joined: 23 Jun 2004 Karma :

How much you reckon he could get knock of Bendy? Oh, and I live in a surprisingly shocking E, area. I thought it would have been a D, never mind. Only takes a few pricks to spoil it for us all.

Bendy · Mrs Sensible Joined: 10 Jun 2002 Karma :

I don't know, you'd have to ask him.

I insured a CBR600 for considerably less and that was parked on-street in an F area.

Adam.I · World Chat Champion Joined: 23 Jun 2004 Karma :

He charges £30 right? If I just asked him to get the quote, would he want the £30, or is it when he tells you where to get it?

Bendy · Mrs Sensible Joined: 10 Jun 2002 Karma :

£30 yes.

Just ask him, I'm not his mother.

Korn · Admin Joined: 01 Feb 2002 Karma :