|
Author |
Message |
Johanna |
This post is not being displayed .
|
Johanna Nova Slayer
Joined: 21 Jul 2018 Karma :
|
Posted: 20:51 - 21 Jul 2018 Post subject: First proper bike - thoughts about various security devices |
|
|
Hi all,
I've just joined the forum today, looking forward to getting to know people and discussing bikes of course!
I obtained my full licence this week and put down a deposit on a CBR650F today. This is following endless hours of trawling through reviews, reading forums and talking to other bikers - if anyone is thinking about a first full-size bike then I would happily pass on what I've learned. I think CBR650F will be perfect for me, but other bikes would suit other people.
I want to sort out everything I need in terms of security and insurance before I get the bike. It is fitted with a tracking device, which I will need to pay about £10 per month for. This seems reasonable. It will give me peace of mind and a fun gadget to play with tracking my rides. I don't know whether it will reduce insurance premiums. The question I am stuck on is regarding armoured chains. See below.
So. Armoured chains. If I were to get an armoured chain + disc lock combo, should I declare it when I take out insurance? If I do so I assume I will have to carry the chain with me and use it whenever I leave the bike (within reason). Furthermore, if I leave the bike somewhere where there isn't a solid object to attach the chain to, does that invalidate the insurance? At the end of the day, is it better to look at the insurer's list of approved disc locks and buy one of those, and always use it, plus have a chain at home anchored to something but not bother declaring it to the insurance company?
Any thoughts would be much appreciated!
- J |
|
Back to top |
|
You must be logged in to rate posts |
|
|
Freddyfruitba... |
This post is not being displayed .
|
Freddyfruitba... World Chat Champion
Joined: 20 May 2016 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
ThatDippyTwat |
This post is not being displayed .
|
ThatDippyTwat World Chat Champion
Joined: 07 Aug 2016 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Ste |
This post is not being displayed .
|
Ste Not Work Safe
Joined: 01 Sep 2002 Karma :
|
Posted: 21:10 - 21 Jul 2018 Post subject: |
|
|
Location: Bristol
Oh dear.
https://www.docdroid.net/b9VFEBr/north-bristol-bike-gang-compressed.pdf
Don't declare the chain or disc lock to your insurance company because if you do then you'll be screwed if it gets stolen the one time you park outside tesco and didn't bother locking it up properly.
Anyway, you're making the big assumption that declaring security to your insurance company will reduce the price they charge you. |
|
Back to top |
|
You must be logged in to rate posts |
|
|
Johanna |
This post is not being displayed .
|
Johanna Nova Slayer
Joined: 21 Jul 2018 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Ste |
This post is not being displayed .
|
Ste Not Work Safe
Joined: 01 Sep 2002 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Rogerborg |
This post is not being displayed .
|
Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
stevo as b4 |
This post is not being displayed .
|
stevo as b4 World Chat Champion
Joined: 17 Jul 2003 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Johanna |
This post is not being displayed .
|
Johanna Nova Slayer
Joined: 21 Jul 2018 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
B0ndy |
This post is not being displayed .
|
B0ndy Spanner Monkey
Joined: 25 May 2015 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
stevo as b4 |
This post is not being displayed .
|
stevo as b4 World Chat Champion
Joined: 17 Jul 2003 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Polarbear |
This post is not being displayed .
|
Polarbear Super Spammer
Joined: 24 Feb 2007 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Rogerborg |
This post is not being displayed .
|
Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
|
Posted: 09:38 - 23 Jul 2018 Post subject: |
|
|
Why fully comp?
Every theft policy I've taken covers losses from theft or attempted theft. ____________________ Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike |
|
Back to top |
|
You must be logged in to rate posts |
|
|
Polarbear |
This post is not being displayed .
|
Polarbear Super Spammer
Joined: 24 Feb 2007 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Rogerborg |
This post is not being displayed .
|
Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
|
Posted: 11:52 - 23 Jul 2018 Post subject: |
|
|
Polarbear wrote: | I forget not everyone is a GOF (grumpy old fart) |
Not to begin with, but you'll all get here eventually.
Polarbear wrote: | Also, out of curiosity, what happens if it's damaged by attempted theft? |
The insurance will pay out (less the excess), that's my point. I don't know why "fully comp" is being pimped. Not knowing causes me physical pain in my pedant gland. ____________________ Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike |
|
Back to top |
|
You must be logged in to rate posts |
|
|
Wonko The Sane |
This post is not being displayed .
|
Wonko The Sane World Chat Champion
Joined: 20 Jan 2013 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
AshWebster |
This post is not being displayed .
|
AshWebster Brolly Dolly
Joined: 05 Jan 2017 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
AshWebster |
This post is not being displayed .
|
AshWebster Brolly Dolly
Joined: 05 Jan 2017 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Ste |
This post is not being displayed .
|
Ste Not Work Safe
Joined: 01 Sep 2002 Karma :
|
Posted: 18:43 - 23 Jul 2018 Post subject: |
|
|
It doesn't matter how they do in some tests, Oxford need to do a lot more than that to shake off the reputation they've earnt.
Almax chain + squire lock / Pragmasis chain + squire lock / boat anchor chain + some suitably big lock. You want something big enough that nobody is going to be cutting it without the aid of power tools.
A bloody good FC insurance policy that allows you to park anywhere 24/7 isn't going to stop your bike being stolen. Killing all bikelife is the besrt security.
"I'd have bike datatagged" wtf? are you high?
Irrational insurance decisions are a good thing if you take advantage of them. Work it to your advantage and everything is cool. |
|
Back to top |
|
You must be logged in to rate posts |
|
|
stevo as b4 |
This post is not being displayed .
|
stevo as b4 World Chat Champion
Joined: 17 Jul 2003 Karma :
|
Posted: 22:45 - 23 Jul 2018 Post subject: |
|
|
Not high, just realist and realistic.
In today's cities with bike theft culture, it's power tool city and that's if your not bike jacked, acid sprayed or have your head chopped off with a machete.
Good insurance on a generic replaceable bike is far the most important thing of all. The chain is there to stop the little 14yr old white boy hoodie snapping your steering lock and just wheeling it away.
It should be obvious that my posts were never about trying to prevent theft at all costs, with the use of £500 of locks that your putting all your trust in and counting on as your saviour from all things nasty. Good insurance is there as a worst case scenario but one that's probably expected to be tested on much much more often than your false confidence security blanket of a supposedly only one good enough lock.
Almax fanboi's need to think about reality and stop wanking themselves off over a 16-19mm chain and supposedly tough as fuck lock. They talk like they will be the only ones with their bike locked up with a superior chain that says don't bother to theives.
Almax and it's probably numerous by now equivalents are not a big secret any longer in the world of bike security. But having said chain your not outfoxing or out smarting the criminal world. People need to be realistic about out and about city security.
Arry told me once that it's a dream world to expect city commuters to have gated off street security compounds to store vehicles in at work.
So if your out there with the street parkers, it don't matter if you have a new CBR125 or Ducati 1299R, it just needs to be a newish and standard generic replaceable bike.
Days of taking your one off Spondon Fireblade etc into a city are long ago over. You need to take basic precautions and be able to walk away with your trust in your paperwork not your bike lock, it's pretty simple to understand isn't it? |
|
Back to top |
|
You must be logged in to rate posts |
|
|
Rogerborg |
This post is not being displayed .
|
Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Wonko The Sane |
This post is not being displayed .
|
Wonko The Sane World Chat Champion
Joined: 20 Jan 2013 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Johanna |
This post is not being displayed .
|
Johanna Nova Slayer
Joined: 21 Jul 2018 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Ste |
This post is not being displayed .
|
Ste Not Work Safe
Joined: 01 Sep 2002 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
stevo as b4 |
This post is not being displayed .
|
stevo as b4 World Chat Champion
Joined: 17 Jul 2003 Karma :
|
Posted: 23:30 - 24 Jul 2018 Post subject: |
|
|
I get your angle, but as the state of things are these days in city life, I'd have no more trust in a single premium chain and lock chained to a solid object in a city centre than I would a cheaper lock. Its brazen and no holds barred out there, as well as power tool city.
I'll save the high end pinnacle security for home use to lock up my too scared to take out into town one off Spondon Fireblade.
Best precaution for a daily is a modern generic ride and insurance. |
|
Back to top |
|
You must be logged in to rate posts |
|
|
Old Thread Alert!
The last post was made 5 years, 277 days ago. Instead of replying here, would creating a new thread be more useful? |
|
|
|