I’ve just been on the phone to Swinton to change my insurance over. Initially she said 3rd party was all anyone would insure me, based on me not having my bike in a garage overnight.
She had to drop the value of the bike to £5k for me to have Fully Comp. I seem to recall this happened on my last bike.
We do have a garden so I guess I could get a shed, but for some reason the access to the garden from outside is through the neighbours drive, which might make it a pain for me to get out if they park across it!
Are some insurers better for this than others? Should I try somewhere else?
Try the comparison sites, you’ll soon see who’s willing to take on the risk. If its not garaged I hope its off street at least with a ground anchor and Almax. Some insurers do list the Almax in their security devices. Good luck.
It is off street, but as I rent, I guess I would need to ask about having a ground anchor installed. I was thinking of locking it to my car, but maybe they’ll just take both!
Go to www.tiger.co.uk - best comparision site for bikes I’ve changed each year for my insurance. Unless you have claims the marketplace is used to people chopping and changing each year.
Just had a similar problem. Was looking at getting a Thunderbird, but nobody will insure it unless it’s garaged. I have tried the comparison sites and phoning companies direct but none of them are prepared to quote, even though the bike would be parked in a private area off the road. Whereas with a garage I have quotes as low as £550…
I just insured my bike (valued at £5k) for TPFT with Swinton for £400ish. I keep mine in my front garden with an Oxford Omega disc lock and an Almax on it though. I found that if I wanted protected NCB or even pillion cover with that though they wouldn’t quote me for some reason.
I was fortunate that I was able to rent a garage for a £10 a week near where I live, or i would have had the same trouble…and no I can’t help you get one sorry.
£15K car, insured full comp. for 3 years. Year 1 = parked on a driveway, Year 2 = parked in a locked compound, Year 3 = parked in a very secure garage. Difference in annual premium between year 1 and year 3 = £20
Bike is much the same. No garage last year, now in very secure garage. Difference in annual premium this year to last £0:56p!
Even allowing for me being an old f*rt and the vehicle values depreciating, it seems the insurance companies only place value on a vehicle being garaged when it suits them.
sorry.