Bike security ???

20-06-2014, 01:57 PM

Renewing my insurance and getting the usual quesitions:

Any mods?
No sir

UK Bike?
Yes sir

Garaged over night?
Yes

Any additional security?
This is where out of fear of getting anything wrong i just say no !

Do you think i should mention the below and do you think will it make any odds to my premiums?

When i put my bike away at night this is what i have on it (ALWAYS):

Torc ground anchor, untouchable lock and 19mm chain
http://securityforbikes.com/proddeta....x-Untouchable

Xena X14 disc lock with alarm
http://www.webbikeworld.com/r2/motor...x14-disc-lock/

Oxford Boss disc lock
http://www.halfords.com/webapp/wcs/s...egoryId_165752

Thoughts ???

cheers

Dirty · 20-06-2014, 02:26 PM

I have similar but don't tell the insurance I use them. Try asking 'what if I bought and used xyz, would that reduce my premium sir?

bigredduke · 20-06-2014, 02:26 PM

I suspect your postcode will have a greater effect (good or bad) on the premium than security measures. In any case, there are only some items, usually Thatcham certified which qualify for discounts on premiums.

chris.p · 20-06-2014, 02:47 PM

I had the alarm removed from my 748r, informed the insurance company when I renewed, guess what, it did NOT effect my premium in any way

Dukedesmo · 20-06-2014, 03:11 PM

I doubt extra 'security' will make much difference to the policy but if the bike is stolen and you've not got it fitted, it may cause you a problem?

20-06-2014, 04:00 PM

Just been through it with my father's Harley, we added an alarm, ground anchor, datatag etc. No difference to premium. Only thing that has ever made a difference to me was an alarm.

My MV requires one to be insured.

steeevvvooo · 20-06-2014, 05:55 PM

I would only declare what you use to secure the bike all the time. I.e. alarm. If you add a chain you will likely get no discount (very small if you're lucky) and risk the insurers being arsey if your bike gets stolen without a chain.

I have good security in my garage but never declare it as I can't take it all with me on a ride out

Nickj · 20-06-2014, 08:28 PM

Wrapped in plastic and then encased in several tons of concrete won't reduce your insurance in 'high risk' areas.
It's more where you live than what you do that gets you the significantly lower quotes.

Over here additional security is worth pennies, it's more expensive to insure sheep!

Dirty · 20-06-2014, 08:34 PM

Quote:

Originally Posted by Nickj

Over here additional security is worth pennies, it's more expensive to insure sheep!

Against what? Actually I can live without the answer

20-06-2014, 10:38 PM

Haha. You are quite funny dirty!

Zimbo · 20-06-2014, 10:52 PM

Heard of one guy who's insurance went UP after fitting an alarm. Reason - the bike was worth more ....

Nickj · 21-06-2014, 09:25 AM

Quote:

Originally Posted by Zimbo

Heard of one guy who's insurance went UP after fitting an alarm. Reason - the bike was worth more ....

LOL That could easily happen with mine!! Looking at a new clutch stack, tyres and brake pads at the moment and it'll probably all cost out at nearly half the value of the bike!!
High miles

BUT bike runs really well, you wouldn't guess its on the wrong side of 70K

Nickj · 21-06-2014, 09:27 AM

LOL That could easily happen with mine!! Looking at a new clutch stack, tyres and brake pads at the moment and it'll probably all cost out at nearly half the value of the bike!!
High miles

BUT bike runs really well, you wouldn't guess its on the wrong side of 70K miles.

Should I declare these expansive new parts incase it makes the bike more valuable ???

Dukedesmo · 21-06-2014, 09:51 AM

With price of fuel these days, you should probably declare when you fill up...

24-06-2014, 01:46 PM

In my, jaundiced, opinion the only reason that they want you to declare extra security is so that the have a get out if you can't prove it was in use.

Some years ago I told my insurers that I had fitted a proximity alarm in my garage... guess what? No change of premium.
This year I declare that I hade removed the Datatag from both my Monster and my 748... Difference... Nothing.

20-06-2014, 01:57 PM	#1
wezrvf Guest Posts: n/a	Bike security ??? Renewing my insurance and getting the usual quesitions: Any mods? No sir UK Bike? Yes sir Garaged over night? Yes Any additional security? This is where out of fear of getting anything wrong i just say no ! Do you think i should mention the below and do you think will it make any odds to my premiums? When i put my bike away at night this is what i have on it (ALWAYS): Torc ground anchor, untouchable lock and 19mm chain http://securityforbikes.com/proddeta....x-Untouchable Xena X14 disc lock with alarm http://www.webbikeworld.com/r2/motor...x14-disc-lock/ Oxford Boss disc lock http://www.halfords.com/webapp/wcs/s...egoryId_165752 Thoughts ??? cheers

20-06-2014, 02:26 PM	#2
Dirty Bockloks Join Date: Jan 2012 Location: London Bike: No Bike Yet! Posts: 4,601	I have similar but don't tell the insurance I use them. Try asking 'what if I bought and used xyz, would that reduce my premium sir? __________________ Wounds heal, chicks dig scars, glory lasts forever Beware of eBay

20-06-2014, 02:47 PM	#4
chris.p Gold Member Join Date: Mar 2004 Location: lincoln Bike: No Bike Yet! Posts: 876	I had the alarm removed from my 748r, informed the insurance company when I renewed, guess what, it did NOT effect my premium in any way Last edited by chris.p; 20-06-2014 at 03:44 PM..

20-06-2014, 03:11 PM	#5
Dukedesmo Registered User Join Date: Sep 2010 Location: Leics Bike: M900 Posts: 2,848	I doubt extra 'security' will make much difference to the policy but if the bike is stolen and you've not got it fitted, it may cause you a problem? __________________ M900, 916, LeMans II.

20-06-2014, 08:28 PM	#8
Nickj Too much time on my hands member Join Date: Jun 2007 Location: Forest Of Dean Bike: S2r Posts: 3,196	Wrapped in plastic and then encased in several tons of concrete won't reduce your insurance in 'high risk' areas. It's more where you live than what you do that gets you the significantly lower quotes. Over here additional security is worth pennies, it's more expensive to insure sheep! __________________ "The final measure of any rider's skill is the inverse ratio of his preferred Traveling Speed to the number of bad scars on his body." Song of the sausage creature

20-06-2014, 02:26 PM	#3
bigredduke Nothing to see here Join Date: May 2005 Location: brough Bike: M1100evo Posts: 1,546	I suspect your postcode will have a greater effect (good or bad) on the premium than security measures. In any case, there are only some items, usually Thatcham certified which qualify for discounts on premiums.

20-06-2014, 04:00 PM	#6
Wildfire Guest Posts: n/a	Just been through it with my father's Harley, we added an alarm, ground anchor, datatag etc. No difference to premium. Only thing that has ever made a difference to me was an alarm. My MV requires one to be insured.

20-06-2014, 05:55 PM	#7
steeevvvooo Registered User Join Date: Aug 2008 Location: Bromley Bike: M1100evo Posts: 1,512	I would only declare what you use to secure the bike all the time. I.e. alarm. If you add a chain you will likely get no discount (very small if you're lucky) and risk the insurers being arsey if your bike gets stolen without a chain. I have good security in my garage but never declare it as I can't take it all with me on a ride out

20-06-2014, 10:38 PM	#10
wezrvf Guest Posts: n/a	Haha. You are quite funny dirty!

20-06-2014, 10:52 PM	#11
Zimbo Too much time on my hands member Join Date: Apr 2003 Location: Stonehouse, Glos Bike: Multiple Monsters Posts: 2,080	Heard of one guy who's insurance went UP after fitting an alarm. Reason - the bike was worth more ....

21-06-2014, 09:27 AM	#13
Nickj Too much time on my hands member Join Date: Jun 2007 Location: Forest Of Dean Bike: S2r Posts: 3,196	LOL That could easily happen with mine!! Looking at a new clutch stack, tyres and brake pads at the moment and it'll probably all cost out at nearly half the value of the bike!! High miles BUT bike runs really well, you wouldn't guess its on the wrong side of 70K miles. Should I declare these expansive new parts incase it makes the bike more valuable ??? __________________ "The final measure of any rider's skill is the inverse ratio of his preferred Traveling Speed to the number of bad scars on his body." Song of the sausage creature

21-06-2014, 09:51 AM	#14
Dukedesmo Registered User Join Date: Sep 2010 Location: Leics Bike: M900 Posts: 2,848	With price of fuel these days, you should probably declare when you fill up... __________________ M900, 916, LeMans II.

24-06-2014, 01:46 PM	#15
Geoff Ives Guest Posts: n/a	In my, jaundiced, opinion the only reason that they want you to declare extra security is so that the have a get out if you can't prove it was in use. Some years ago I told my insurers that I had fitted a proximity alarm in my garage... guess what? No change of premium. This year I declare that I hade removed the Datatag from both my Monster and my 748... Difference... Nothing.