Posts
267
Joined
3/13/2017
Location
Belfast
GB
Edited Date/Time
7/12/2019 4:43am
I've just recently bought a house and thought I could cover my bike under my home and contents insurance but ive been told by a couple of providers that they cant cover motorised equipment.
How have you insured your bike? Are there any providers that will insure a bike as part of a policy or are there any reputable companies to insure the bike directly with?
Cheers!
How have you insured your bike? Are there any providers that will insure a bike as part of a policy or are there any reputable companies to insure the bike directly with?
Cheers!
The Shop
Anyway to answer your question mate I've never heard of directly insuring an MXer against theft/damage, however if you make it road registered (just don't use it on the road of course) you could insure it like that andd get a multi-vehicle policy.
Another popular way of doing it is if you have home insurance, you can add your shed and/or garage to that and the bike would be covered under contents insurance I believe but you'd have to specify specifically that it's there.
My house is rented so I don't need insurance as my landlord has it, but when I buy my first house that's how I plan on covering mine!
Pit Row
I currently pay £115 for my '05 YZ250 against fire and theft in/from my garage. I've told them it's worth about £3000, which is what I paid for it (it was clean)That's with BikeSure. In the past I've had a policy with Carole Nash that covered the bike on the way to and from "organised events" as well. So it was covered if it got taken from the van in a service station, or while I was stopped overnight somewhere on the way to/from a race.
Both of these companies wanted frame numbers, and I think Carole Nash wanted engine number as well?
It's worth mentioning that I had a Street Triple insured with BikeSure while I had the mx bike cover, and they couldn't offer any multi-vehicle discount as their road and off road policies aren't done by the same company. Not sure if that's the same with Carole Nash.
Home insurance specifically wouldn't let me cover it (wouldn't let me add it as a named item). Standard car/van insurance companies wouldn't touch it either as it's not a road vehicle.
I did find it pretty hard to find anybody to insure a bike that's not registered. Give them a call and get a quote.
With regard to insurance, they wont touch the bike unless its in a brick garage, i had the exact same problem. Also be careful of insurance brokers as i had no real confidence in the casual "yeah sure" attitude they were giving me on the phone.
Have a look at ALMAX chains if you want to boost security, those chains are insane and un-croppable by hand tools.
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