Insurance clause...

**KrazyGixxerBoy** · 21st December 2009, 16:41

Hi all,

Just insured my bike today (as I only recently got my full licence

) and the guy from State told me that my bike had to be bolted to the floor in my locked garage when not in use! I asked him if he bolted his tv to the floor when he left the house....

Anyway, I flatly refused and after being on hold for another half an hour while he talked to the underwriters, he came back and said it would be ok if I fitted a disk lock.

Just wondering if anyone else has come across stupid clauses like this?

**Laxi** · 21st December 2009, 16:42

Originally Posted by KrazyGixxerBoy

Hi all,

Just insured my bike today (as I only recently got my full licence

) and the guy from State told me that my bike had to be bolted to the floor in my locked garage when not in use! I asked him if he bolted his tv to the floor when he left the house....

Anyway, I flatly refused and after being on hold for another half an hour while he talked to the underwriters, he came back and said it would be ok if I fitted a disk lock.

Just wondering if anyone else has come across stupid clauses like this?

yep state told me same thing, try another insurer

**yachtie10** · 21st December 2009, 16:45

talk to some other insurers
Also how secure is your garage? Maybe they have a reason.
personally I would be wary of these clauses as they probably wont payout if you forget to put it on

Goodluck
try kiwibike.co.nz or any of the other brokers mentioned on this site

**The Everlasting** · 21st December 2009, 16:48

I'm insured with state,and they never asked me if it was secured in any way,they where happy with the steering being locked.

**Quasi** · 21st December 2009, 16:48

Originally Posted by KrazyGixxerBoy

Hi all,

Just insured my bike today (as I only recently got my full licence

) and the guy from State told me that my bike had to be bolted to the floor in my locked garage when not in use! I asked him if he bolted his tv to the floor when he left the house....

Anyway, I flatly refused and after being on hold for another half an hour while he talked to the underwriters, he came back and said it would be ok if I fitted a disk lock.

Just wondering if anyone else has come across stupid clauses like this?

hey - well done on finally getting the full KGB.

But - will it make you a better tagger

**R6_kid:Me** · 21st December 2009, 16:49

www.kiwibike.co.nz

Dave is the man.

He's not your everyday dodgy insurance broker - he's a bike rider himself and an honest and level headed guy. He'll find you the best policy he can with reasonable terms and conditions.

**Quasi** · 21st December 2009, 16:50

Originally Posted by R6_kid

www.kiwibike.co.nz

Dave is the man.

He's not your everyday dodgy insurance broker - he's a bike rider himself and an honest and level headed guy. He'll find you the best policy he can with reasonable terms and conditions.

yep - he is the man.
I with him, got a sharp price, great coverage and took 5 minutes on the phone

**EJK** · 21st December 2009, 16:51

www.kiwibike.co.nz

I was happy to give my business to them.

Fast, easy and affordable.

**ckai** · 21st December 2009, 16:51

bolting to the floor won't stop someone that's determined. Hell, they'll probably pinch your whole garage. When I worked as a valuer, one of the directors went to do a job and someone had pinched the house!

No shit true story

where there's a will...

but i'd look somewhere else as well

**Big Dog** · 21st December 2009, 17:03

Originally Posted by KrazyGixxerBoy

Hi all,

Just insured my bike today (as I only recently got my full licence

) and the guy from State told me that my bike had to be bolted to the floor in my locked garage when not in use! I asked him if he bolted his tv to the floor when he left the house....

Anyway, I flatly refused and after being on hold for another half an hour while he talked to the underwriters, he came back and said it would be ok if I fitted a disk lock.

Just wondering if anyone else has come across stupid clauses like this?

This is because globally statistics show that it is easier to steal a bike that is conveniently parked in the privacy of a shed. Especially if that shed has tools.
Not a stupid request, however in the past when I have had a rider of this nature it just stated that there would be an increased excess should there not be evidence that it had been secured.

A ground anchor does not cost much.
They can't prove you did not use it that day if your bike is gone.

**Big Dog** · 21st December 2009, 17:05

I have a multibike policy with kiwibike. No silly policy riders.
Easy to understand and very straight forward.

Communication was a little poor but the price was right too.

**Big Dog** · 21st December 2009, 17:07

Originally Posted by ckai

bolting to the floor won't stop someone that's determined. Hell, they'll probably pinch your whole garage. When I worked as a valuer, one of the directors went to do a job and someone had pinched the house!

No shit true story

where there's a will...

but i'd look somewhere else as well

A friends mum came home from holiday to find everything gone.
Carpets
Light switches
curtains
doors
oven
the lot.

Neighbours saw a removal truck but could not remember the name on the side.

**SMOKEU** · 21st December 2009, 18:39

Originally Posted by Big Dog

I have a multibike policy with kiwibike.

They quoted me a ridiculous sum of money for full cover. I opted to go for NAC instead as they were the cheapest.

**White trash** · 21st December 2009, 18:48

You're all missing the big point here.

You own a GSXR, it'll be wrapped around a tree somewhere before any dirty thief has a chance to get his hands on it. Any insurance company worth their salt will know this.