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Bypassing alarm on old bike - insurance affected?

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Fullers1845
Nova Slayer



Joined: 21 Oct 2021
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PostPosted: 15:25 - 06 Jun 2023    Post subject: Bypassing alarm on old bike - insurance affected? Reply with quote

The 23 year old ZX6R I'm working on has a Datatool red (S4 I think?) alarm/immobilizer fitted and as it hasn't been started in about 5 years there's a good chance the internal battery on the alarm is kaput, plus I don't see any merit of having the hassle of an alarm/immobiliser on a bike that is worth about £1500.

I've seen that there is a bypass plug available for the princely sum of £15 that will save me the ballache of chopping the thing out of the loom.

Is not having the datatool likely to affect the insurance premium by much on such a low value bike?
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MarJay
But it's British!



Joined: 15 Sep 2003
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PostPosted: 15:34 - 06 Jun 2023    Post subject: Reply with quote

Did you tell the insurance about the alarm when you took it out? If not then you don't need to tell them. If you have an active policy and you told them you have an alarm, you'll need to tell them.

You said the bike hasn't run in years, so I assume there is no insurance running on it now? In which case it's not a problem as you just don't tell them there IS an alarm when you take out the policy?

Or am I missing something?? This all seems too simple...
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Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.
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Fullers1845
Nova Slayer



Joined: 21 Oct 2021
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PostPosted: 15:39 - 06 Jun 2023    Post subject: Reply with quote

MarJay wrote:
Did you tell the insurance about the alarm when you took it out? If not then you don't need to tell them. If you have an active policy and you told them you have an alarm, you'll need to tell them.

You said the bike hasn't run in years, so I assume there is no insurance running on it now? In which case it's not a problem as you just don't tell them there IS an alarm when you take out the policy?

Or am I missing something?? This all seems too simple...


No insurance, just wondering if having an alarm would make any difference on the premium when I finally get the bike on the road, particularly as it's an old bike and not worth a great deal.
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c_dug
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Joined: 04 Sep 2007
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PostPosted: 16:46 - 06 Jun 2023    Post subject: Reply with quote

I've only ever found two things that made any meaningful difference to insurance. A) a Biketrac monitored tracker, and B) An Almax chain.

That's not to say nothing else makes a difference, I haven't tried every and all options available on the dropdown list of added security, but I have tried quite a lot of them and mostly they make close to no difference at all in my experience.
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Freddyfruitba...
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Joined: 20 May 2016
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PostPosted: 18:12 - 06 Jun 2023    Post subject: Reply with quote

c_dug wrote:
I haven't tried every and all options available on the dropdown list of added security, but I have tried quite a lot of them and mostly they make close to no difference at all in my experience.

This.

And the kicker is that if you declare the alarm/lock/brick garage on security in order to gain a £5 discount, and then the one time you don't use it the bike gets nicked, then the insurer won't pay out...
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Ste
Not Work Safe



Joined: 01 Sep 2002
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PostPosted: 19:21 - 06 Jun 2023    Post subject: Re: Bypassing alarm on old bike - insurance affected? Reply with quote

Fullers1845 wrote:
Is not having the datatool likely to affect the insurance premium by much on such a low value bike?

Go get some quotes from moneysupermarket or any of the price comparison websites to see how little difference it makes.
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to v or not to v
World Chat Champion



Joined: 24 Nov 2020
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PostPosted: 19:27 - 06 Jun 2023    Post subject: Reply with quote

c_dug wrote:
I've only ever found two things that made any meaningful difference to insurance. A) a Biketrac monitored tracker, and B) An Almax chain.


just googled those chains. not cheap are they Shocked
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Ste
Not Work Safe



Joined: 01 Sep 2002
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PostPosted: 19:29 - 06 Jun 2023    Post subject: Reply with quote

Consider it an investment.
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P.
Red Rocket



Joined: 14 Feb 2008
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PostPosted: 19:31 - 06 Jun 2023    Post subject: Reply with quote

to v or not to v wrote:
c_dug wrote:
I've only ever found two things that made any meaningful difference to insurance. A) a Biketrac monitored tracker, and B) An Almax chain.


just googled those chains. not cheap are they Shocked


Has prevented sleepless nights and remained in my garage when it was broken in to, worth the money Laughing
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Nobby the Bastard
Harley Gaydar



Joined: 16 Aug 2013
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PostPosted: 20:14 - 06 Jun 2023    Post subject: Reply with quote

They are cheap when on long term loan from someone who doesn't need it at the moment.

(Ste's lives in my garage for me to use when I feel the need to, simply because he doesn't have a use for it. I have offered to buy it off him and obviously if it gets danaged in my possession I will replace it.)
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rpsmith79
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Joined: 31 Jan 2017
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PostPosted: 11:27 - 08 Jun 2023    Post subject: Reply with quote

Freddyfruitbat wrote:
c_dug wrote:
I haven't tried every and all options available on the dropdown list of added security, but I have tried quite a lot of them and mostly they make close to no difference at all in my experience.

This.

And the kicker is that if you declare the alarm/lock/brick garage on security in order to gain a £5 discount, and then the one time you don't use it the bike gets nicked, then the insurer won't pay out...


Not strictly true, i know every policy i have had simply add an additional % to the excess if the bike is stolen within 50m of my house (if not locked in the garage)

Certainly worth checking the small print to see if the same applies to any security devices you may have declared
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MarJay
But it's British!



Joined: 15 Sep 2003
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PostPosted: 12:03 - 08 Jun 2023    Post subject: Reply with quote

I just removed a Datatool S4 Red from my GSXR. Added £60 to the premium, but some of that was admin fee (about £20 of it, I threw a strop and argued it down from £40).
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Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.
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