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How would you Insure a Bike Locked in a Kitchen?

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Effexion
L Plate Warrior



Joined: 23 Feb 2022
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PostPosted: 18:28 - 27 Dec 2022    Post subject: How would you Insure a Bike Locked in a Kitchen? Reply with quote
My bike is locked in the kitchen at night and I've always put it down as 'locked on property', thinking this was the most accurate. I've only recently discovered this is wrong when trying to insure my new bike.

What would be the best way to explain 'locked in a kitchen'. I'm thinking garaged.

Cheers!
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Nobby the Bastard
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Joined: 16 Aug 2013
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PostPosted: 18:55 - 27 Dec 2022    Post subject: Reply with quote
As a fire hazard. You do realise that petrol is quite volatile and most kitchens contain multiple heat sources?
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Effexion
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PostPosted: 19:06 - 27 Dec 2022    Post subject: Reply with quote
Nobby the Bastard wrote:
As a fire hazard. You do realise that petrol is quite volatile and most kitchens contain multiple heat sources?


There are no heat sources at night time when the bike is stored.
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hellkat
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PostPosted: 19:39 - 27 Dec 2022    Post subject: Reply with quote
Locked in property is accurate.
Its not in a garage so its not garaged.
But it is on the property and the doors are locked at night (one assumes).
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hellkat
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PostPosted: 19:49 - 27 Dec 2022    Post subject: Reply with quote
I had my XL125 in the kitchen in my flat in Fulham, not for long - maybe a month or so. Bit annoying - had to get round it to get to the fridge.
Bit of a faff Laughing
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Nobby the Bastard
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PostPosted: 20:15 - 27 Dec 2022    Post subject: Reply with quote
Effexion wrote:
Nobby the Bastard wrote:
As a fire hazard. You do realise that petrol is quite volatile and most kitchens contain multiple heat sources?


There are no heat sources at night time when the bike is stored.



Ring your house insurance and tell them you are storing petrol in your house and see how quickly they cancel it.
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hellkat
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PostPosted: 20:22 - 27 Dec 2022    Post subject: Reply with quote
Is that the same as storing petrol in your garage which is attached to the side of your house? Cos I've done that too. Laughing
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Nobby the Bastard
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PostPosted: 20:28 - 27 Dec 2022    Post subject: Reply with quote
Garages are generally cooler and more ventilated than kitchens, plus a proper petrol can has no vents unlike a bike tank.
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Pete.
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PostPosted: 21:01 - 27 Dec 2022    Post subject: Reply with quote
Effexion wrote:
Nobby the Bastard wrote:
As a fire hazard. You do realise that petrol is quite volatile and most kitchens contain multiple heat sources?


There are no heat sources at night time when the bike is stored.


Tell that to the local guy round here who bought some spares off me when I was 17. His house burned down at night and he lost four of his kids.
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grr666
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PostPosted: 21:33 - 27 Dec 2022    Post subject: Reply with quote
Effexion wrote:

There are no heat sources at night time when the bike is stored.


In 2014 the fridge freezer in my mums kitchen caught fire unexpectedly and burned half her house down.
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Ste
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Joined: 01 Sep 2002
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PostPosted: 23:25 - 27 Dec 2022    Post subject: Reply with quote
Have you told the house insurance that you're keeping a motorbike in the kitchen?
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arry
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PostPosted: 00:12 - 28 Dec 2022    Post subject: Reply with quote
Ste wrote:
Have you told the house insurance that you're keeping a motorbike in the kitchen?


He'd be about 9years and 7 months out of date on volunteering material facts. CIDRA 2012 changed the onus from consumer having to declare anything relevant to if the insurer wishes to know something then a specific, clear, fair and not misleading question needs to be asked.
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Easy-X
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PostPosted: 16:50 - 28 Dec 2022    Post subject: Reply with quote
A puddle of petrol is dangerous but at least you can see it. Petrol vapour with no ventilation is orders of magnitude more dangerous.

On the one hand I've been sorting out a float bowl leak (in the open air) the old fella with a roll-up on the go... "is that wise?" but in contrast I saw a video from The Workshop / Dirty Garage Guy / Matt the Northern Twat with someone working on a bike in a shed and just the spark from trying to start the bike (the oh so great screwdriver across the solenoid trick) almost took the c*nt out.
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Evil Hans
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PostPosted: 23:20 - 28 Dec 2022    Post subject: Reply with quote
Effexion wrote:

There are no heat sources at night time when the bike is stored.


You'd be surprised. Is there a fridge? Is it a spark-proofed fridge?
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grr666
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PostPosted: 12:38 - 29 Dec 2022    Post subject: Reply with quote
Evil Hans wrote:

You'd be surprised. Is there a fridge? Is it a spark-proofed fridge?

grr666 wrote:

In 2014 the fridge freezer in my mums kitchen caught fire unexpectedly and burned half her house down.


Mums wasn't. It was a Samsung just for the record. The total insurance claim including the smoke damage to the neighbours
houses either side was 400k. Most of her precious belongings ended up in the skip including 1000's of family photographs from
about 4 generations that can never be replaced. It took a full refurb crew over 6 months to make her house habitable again.
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Kawasaki Jimbo
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PostPosted: 14:25 - 29 Dec 2022    Post subject: Reply with quote
grr666 wrote:
In 2014 the fridge freezer in my mums kitchen caught fire unexpectedly and burned half her house down.

FTFY.
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Polarbear
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PostPosted: 15:58 - 29 Dec 2022    Post subject: Reply with quote
Didn't they say Grenfell burnt down because of a fridge fault?
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grr666
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PostPosted: 16:32 - 29 Dec 2022    Post subject: Reply with quote
Kawasaki Jimbo wrote:
grr666 wrote:
In 2014 the fridge freezer in my mums kitchen caught fire unexpectedly and burned half her house down.

FTFY.

No, I think it's safe to say that when she and my dad went to the shops for some bread and to post a few letters
they didn't expect their fridge to catch fire, burn half their house down and suffocate one of their cats in the resultant
smoke. Nor did they expect to come back from the shops with a loaf to see 7 fire engines outside their house dealing with
the blaze, nor did they expect to see their living room window stoved in and their car on the front driveway melted and
stamped on by the fire brigade so they could get in there with a hose, nor did they expect to not be allowed back into
their house, nor did they expect to be put into emergency accommodation initially with literally just the clothes on their
backs and the 2 pets that survived who were retrieved by firefighters. I think they expected to pop down the shops with no
life changing events. They were out for all of twenty minutes. That was 10 minutes more than was needed to change
their lives forever and burn everything they gave shit about.
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iooi
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PostPosted: 12:45 - 01 Jan 2023    Post subject: Reply with quote
Think some people are missing the point. Rolling Eyes
House insurance will expect items like fridges & freezers to be in the house.
Unlike a motorbike.

Think home ins co might have something to say in the event of a issue.
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xX-Alex-Xx
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PostPosted: 16:53 - 01 Jan 2023    Post subject: Reply with quote
If you take the fuel tank off and store it outside or in the garage you might be ok. There’s not a chance in hell they’ll cover you with it on the bike.

Actual regs are here:

https://www.hse.gov.uk/fireandexplosion/petrol-storage-club-association.htm

If you are storing up to 275 litres of petrol at any of these premises then you should be aware of the common storage requirements for these amounts, which are as follows:

*petrol is not stored in your living accommodation
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mentalboy
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PostPosted: 17:22 - 01 Jan 2023    Post subject: Reply with quote
xX-Alex-Xx wrote:
If you take the fuel tank off and store it outside or in the garage you might be ok. There’s not a chance in hell they’ll cover you with it on the bike.

Actual regs are here:

https://www.hse.gov.uk/fireandexplosion/petrol-storage-club-association.htm

If you are storing up to 275 litres of petrol at any of these premises then you should be aware of the common storage requirements for these amounts, which are as follows:

*petrol is not stored in your living accommodation


Something tells me that if the OP had a garage he'd probably park more than just the fuel tank in there. Rolling Eyes
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xX-Alex-Xx
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PostPosted: 17:55 - 01 Jan 2023    Post subject: Reply with quote
mentalboy wrote:
xX-Alex-Xx wrote:
If you take the fuel tank off and store it outside or in the garage you might be ok. There’s not a chance in hell they’ll cover you with it on the bike.

Actual regs are here:

https://www.hse.gov.uk/fireandexplosion/petrol-storage-club-association.htm

If you are storing up to 275 litres of petrol at any of these premises then you should be aware of the common storage requirements for these amounts, which are as follows:

*petrol is not stored in your living accommodation


Something tells me that if the OP had a garage he'd probably park more than just the fuel tank in there. Rolling Eyes



Something tells me he’s going to ignore all advice in this thread too Wink
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Old Thread Alert!

The last post was made 1 year, 113 days ago. Instead of replying here, would creating a new thread be more useful?
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