Bike insurered for garage - but not always in garage?

[mic]

Howdy

I keep it in a garage. Obviously has many pros than being outside on the road than cons. However, each trip involves a walk to the garage and arsing about. For work, it's an extra 10-15 mins and can work out quicker to take the car.

After a nightshift now it's dry I've started to ride home an leave it outside the door on the road so when I go back in the following night its there ready. But if it got nicked or damaged whilst I slept what would the inurance say as it's insured to be in the garage?
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zzr600

[GPC]

Mine is the same and when I took the insurance out they specified it must be garaged at night if at home, so probably during the day it would be fine outside the house.

[Ste]

Read your insurance documents. It's irrelevant what anyone else's insurance says.

But in general, if you've said the bike is garaged at home and it got nicked when you've left it on the road then I wouldn't expect an insurance claim to be successful.

[arry]

[Ste]

Which is why he needs to read his insurance documents.

[Rogue_Shadow]

[Wonko The Sane]

It's usually stipulated in one of two main ways

you may have declared it to be 'usually garaged'

That is, you normally keep it in the garage but there may be the odd occasion that it is not kept in the garage for some reason.

Must be garaged

Your insurance requires it to be kept in the garage or your policy is not valid for cover

I think my documents state that it must be garaged to be covered against theft, it's also on the documents that the bike is kept in my back garden behind a high fence.

My cover does not include theft making the above irrelevant.
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[Az]

As said above, the chances are your insurance won't cover you if your bike isn't in a locked garage over night. It may not be the case with your policy but, it has always been the case with all of my policies (I've been with MCE, Devitt and eBike).

[sabian92]

Course if you aren't covered for theft it makes no difference where it's kept Only upside to being 3rd party only.

[andys675]

read you policy, it may say that the bike has to be garaged from dusk until dawn when you're at home, or anywhere else for that matter, or it must always be garaged at home no matter what time of dayit is, if something happens they will ask you lots of questions and you might give the wrong answer and they won't pay out
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Some people feel the rain, others just get wet.

[Llama-Farmer]

Sometimes it doesn't make much of a difference in price whether it is garaged or not.

I believe mine made quite a bit of difference, but the only time it is not in the garage when it's at mine is for a minute or two immediately before and immediately after I go out on it, whilst I lock up the garage and house.

As for security devices, they made no difference to my premium, so I didn't declare them.
They may not pay out if I stated a chain and disc lock and it was stolen when any chain/locks weren't fitted. But if you don't declare any then they can't not pay out, and the undeclared locks are just additional protection and peace of mind.


If it eventually doesn't cost much more to be usually "kept on the road" then I will state that, or if they can offer a "usually garaged" that accepts it will be covered by insurance but not always garaged, then that'd be best option.

[clancy]

Very simple answer to this..... If your bike gets stolen form outside your house. Say it was somewhere else
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KLX 300r

[FriendlyEllis]

Under these circumstances my insurer reserves the right to say "clear off"

Or says if stolen within 500m of my address will double the excess.

Just garage it or pay the proper insurance.

If its stolen you'd have to lie to the police about where it was stolen from and the hole would just get deeper.
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Honda CB600F Hornet 2013 -> Kawasaki Z1000SX ABS Tourer 2015

[Clutchy]

I sleep better with it in the garage


OP, post back results when you can, I know its not universal but would be interested what they say.
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*33 BHP restriction up on 10/12/14* Current bikes/car: SV 650 S/ MKIV GOLF
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[Northern Monkey]

My insurance says that my bike is not covered for theft if it is within 500m of the house and is not in the garage.

As ste says, read your policy.

[janner_10]

[Rogerborg]

[iooi]

[MattEMulsion]

[arry]

[TheArchitect]

My friend had his 2010 ninja picked up off his drive by some scrotes while he slept after a night shift. So it's during the day and the bike was on the drive. Long story short, insurance refused to pay out because it wasn't in the garage while he slept.
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GSXR 600 K6 - Stolen
GSXR 600 K6 - Stolen
MT09 - Almost stolen

[Rigga]

[-Matt-]

No set rule as every insurer/policy will differ.

I expect generally - if you have a garage elsewhere its 'insured at', and presuming you don't want to risk some uber-fraudz trying to claim it was nicked from the garage it was never in, if its parked outside your policy address when its supposed to be in a garage elsewhere, you may have issues.

That being said - did you ever specify the garage was elsewhere, if the garage was just 'included' with the address you could say it garaged, and stolen from the property, perhaps covers both angles if you aren't grilled too much

My bike is regularly not 'kept overnight' in the garage its supposed to be as its either at work during night shifts or 60 miles away 'at someones i'm visiting' should anything bad ever happen.

[Llama-Farmer]

[arry]

In a nutshell, yes