Concrete is masonry. There is no special magic to bricks…the insurers are showing a lack of building materials knowledge if they exclude one type with out justification…but of course they can choose to be ignorant I suppose. No reason why a timber structure can’t be fully secure either.
Bennetts recently put out a video on their youtube channel on how to make your shed secure, don’t know if that means they count it as a garage or not though
My bike is insured with bikesure, and it is garaged in a wooden shed but had to be on a concrete base, there are no windows , all the hinges have coach bolts so cant be undone from the out side. I have taken other precautions , but all they do is slow anyone down who wants to try to steal my toys.
I would say the lock got stolen with the bike!
Probably not, due to losses with the old concrete sectional garages. Though those you’ve linked to are a different construction mechanism.
I have a brick garage but the wall construction seems pretty irrelevant since to door is made out of something only slightly stronger than tinfoil.
The stuff I lock inside it is secured with chunky locks and alarms (I don’t usually garage the motorbike and the saving on insurance for doing so was pretty negligable).
I reckon I could make my timber shed as secure as my brick garage without too much effort.
I realise that those facts are irrelevant if you were arguing with an insurance company who had specified a brick garage.
They do insure metal and wooden sheds, in addition to the standard brick. The video linked above does clarify this about 20sec in.
It is the reason I am insured with them. I have a big asguard shed and they insured it for me no problems.
I receive an email from MCE last year confirming a garage is a building constructed to house vehicles made of brick, concrete, steel or stone. Wasn’t requested but assumed they were rejecting claims so needed to clarify.
Oh they must have changed that recently. I only ever insured with them as they let timber workshops count as garages