I understand that, but as I said to the broker, I don't see myself boting my bike to the floor when it's not in use so I'm not going to say that I am, rather be up front with them in the beginning.
as it ended, they were happy with a disk lock on it and as you say, they couldn't prove it either way.
Other issue is we don't own the house so I'm pretty sure the landlord would say no if I said I wanted to drill holes in the concrete floor of the garage!
My insurer just gives an excess table. The excess is so much if it is outside, and less if it is inside a locked garage. There is no further requirement to secure the bike inside of the garage.
Yeah, I'm aware of that....will be something to watch out for.
In saying that, It's easier to say to the insurers if my bike gets stolen that "they" must have gotten the disk lock off! ...than, "they" have taken my garage!
Unsure whether I will actually use a disk lock but it's definately easier to bluff...
I think it depends on who you talk to at State....if the garage is locked that should be enough...like the man says...they don't ask you to padlock the contents of your house.
Yep go somewhere else..I suspect State use this when they don't want the business as they are cheaper in many case...product the same...because they pick and chose business...
I mean bike theft is not a major issue in NZ like it is in say the UK where ore motorbikes are stolen in the UK than are bought new...it is only a Bandit..not saying Bandits are bad...but it is not say a $30,000 1098 etc
Which is why you tie a piece of rope, preferably brightly-coloured (will be around $10 from any marine chandlers shop, or less if you find some at Mitre 10 or somewhere) around the disclock. When you put the disclock on, you just drap the other end of it around the throttle. A nice visual reminder that something is out of the ordinary if you've hopped on and are about to grab the throttle when hey what's this line here, and where's it go to... ooooh, it leads to the disclock, maybe I should take that off.
Remember, you can normally terminate a policy within 14 days without there being an issue if you want to take your business somewhere else ...
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