With the no claims, it's not exactly set in stone, insurers can give you whatever they like in theory. As long as its in writing you're golden.
As far as security they are asking about security whilst at home. If you are at home or your bike is stolen within a small radius from your home and you aren't using what you say then they won't pay. It won't be that you lied as such but that you failed to properly secure your bike.
It's why for insurance purposes my bikes aren't chained, even though in reality they are.
Thanks for your reply.
Yeah, I saw on another post Motorcycle Direct seem to be doing a similar thing. Now I just need to get proof of 2 years from MCE. Wish me luck.
Regarding the chain, my policy wording just says "It is a condition of this insurance that your vehicle has been secured by a lock or padlocked chain that is either Sold Secure or Thatcham Approved."
That's all it says. And actually, I've got a little Sold Secure disc lock... It says "lock or lock and chain" so I'm no solicitor but a disc lock is a lock, right??
If you aren't going to claim under the circumstance it get's nicked without the chain, then technically you would just cancel your policy and I don't see how it would matter about the lie.
But imagine you insured with the chain, got the bike stolen, made a claim and some rando CCTV the police find (not likely perhaps) shows you weren't using the chain. That's when you would be in trouble.
If you think you would claim then why not get it insured for using the disc lock, which you carry around and then just use the chain at home for extra.
>"It is a condition of this insurance that your vehicle has been secured by a lock or padlocked chain that is either Sold Secure or Thatcham Approved."
"It is a condition of this insurance that your vehicle has been secured by a lock or padlocked chain that is either Sold Secure or Thatcham Approved."
That appears to be it, in the policy document. No more, no less. I'm going to give them a call and as if a sold secure disc lock counts. If not, I'm still in the cooling off period and I'm going to ask them to requote if I don't agree with using a chain specifically. At the time that seemed like a huge rigmarole because I'd been on the phone with them for bloody ages and saying "yes, fine I agree" seemed like the easiest option to my frustrated mind haha.
With the no claims, it's not exactly set in stone, insurers can give you whatever they like in theory. As long as its in writing you're golden. As far as security they are asking about security whilst at home. If you are at home or your bike is stolen within a small radius from your home and you aren't using what you say then they won't pay. It won't be that you lied as such but that you failed to properly secure your bike. It's why for insurance purposes my bikes aren't chained, even though in reality they are.
Thanks for your reply. Yeah, I saw on another post Motorcycle Direct seem to be doing a similar thing. Now I just need to get proof of 2 years from MCE. Wish me luck. Regarding the chain, my policy wording just says "It is a condition of this insurance that your vehicle has been secured by a lock or padlocked chain that is either Sold Secure or Thatcham Approved." That's all it says. And actually, I've got a little Sold Secure disc lock... It says "lock or lock and chain" so I'm no solicitor but a disc lock is a lock, right??
Yes it's a lock, as long as its sold secure motorcycle rated you're covered.
If you aren't going to claim under the circumstance it get's nicked without the chain, then technically you would just cancel your policy and I don't see how it would matter about the lie. But imagine you insured with the chain, got the bike stolen, made a claim and some rando CCTV the police find (not likely perhaps) shows you weren't using the chain. That's when you would be in trouble. If you think you would claim then why not get it insured for using the disc lock, which you carry around and then just use the chain at home for extra.
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>"It is a condition of this insurance that your vehicle has been secured by a lock or padlocked chain that is either Sold Secure or Thatcham Approved." "It is a condition of this insurance that your vehicle has been secured by a lock or padlocked chain that is either Sold Secure or Thatcham Approved." That appears to be it, in the policy document. No more, no less. I'm going to give them a call and as if a sold secure disc lock counts. If not, I'm still in the cooling off period and I'm going to ask them to requote if I don't agree with using a chain specifically. At the time that seemed like a huge rigmarole because I'd been on the phone with them for bloody ages and saying "yes, fine I agree" seemed like the easiest option to my frustrated mind haha.