uninsured

Off-topic
1

So get my first ever bike - pride and joy riding average of 100 miles a day. LOVING IT

It cost a fortune and by the time id bought the bike, helmet, trousers, boots, gloves, jacket, locks, groundanchor and clobbered by a huge insurance prem - ive been wiped out.

Yesterday, I got the insurance stuff to send back their copy or whatever and it said the bike has an alarm. it doesnt - its not insured. I’m sure I never said it did - but whatever, my fault for not checking.

Now, one week after getting it, its back at the dealers for a week - safest place for it and its getting an alarm fitted. Credit card anyone?

Sorry for the boring post - but i’m just so pissed with myself

2

mate dont beat ya self up.its a minor thing, bikes are an expensive habit! its better to wait a bit ,get the alarm fitted and teh bike insured and ride with the right kit, rather than pay for the insurance then have rubbish riding gear.pay in instalments, thats what i do, yes its more expensive, but at least your covered.

3

That’s the big problem with bikes.

You buy a car, then there’s the insurance and that’s it. With starting out on a bike you have to spend a shed load of money on all sorts of other stuff.

The other big problem it the damn things are so affordable. I look in the Ferrari dealers and dream. I look in the bike dealers and start doing the sums in my head.

Then I remember I’m married.

Oldguy.

4

:D:D:hehe: like it:D

5

yeah, thats how i got into this mess in the first place. Looking at the expensive bikes totally unsuitable for beginners and thinking they are sooo cheap (comapred to a ferrari). Then totally over stretching myself. Still though - the repayments come only one day a month. That leaves me with what… 30 days to enjoy it each month :slight_smile:

6

I was advised by a man in the know that you are better off not disclosing your security devices on bikes, cars, houses, whatever.

If one day you forget to use that chain or disc lock and something happens, your insurers are able to question your claim:crazy:

The same goes for window locks etc on houses.

The difference between having an alarm and not is minimal on premiums.

7

Unlucky mate! It’s not the bikes that are expensive, it’s everything you need to ride them!:stuck_out_tongue:

Technically, if you make any modifications to a bike without declaring it to your insurers, you are not insured!!! That includes everything from fiiting a power commander to something as simple as putting in K and N air filters or a double bubble screen!:wink:

RR

8

when i was talking with Bennetts they said that an immobiliser is the number one discount followed by ground anchor and hefty chain, an alarm is actually rated as less useful…think most insurers only count two to three security features in their discount

9

I know how you feel, i had to get an alarm fitted on my GSX-600 before i could take it out.

10

I think we can all sympathise. Everything is sooooo expensive. And then there’s that stuff you don’t need but you just gotta have. (I bought a helmet in January . . . didn’t need it . . . haven’t worn it yet . . . my it is pretty though!)

Whatever security you quote your insurance company in order to get your premium down, ensure you use all of it every single time, otherwise they can either declare the machine uninsured or, more likely, discount any payout.

11

Some wise words here. Always tell them no added security.

The discounts against cost mean you have to own the bike for ten years to get your money back.

Tell them about every non standard modification. I even tell them about electrical socket outlets and stickers. Don’t give them a chance to cop out.

Guess what. I’ve not been charged extra for any accessory I’ve added, but they always get included in the insurance.

Oldguy.