Insurance risk?

[SuperDave]

I remember reading on here a while back that if your bike gets stolen and the steering has not been locked then it will void your theft insurance or something.

Dunno what is wrong with my ZXR but it is not possible to lock the steering. So, would one of those yellow grip locks do the job? If I had one of those on my bike would it overide the fact that my steering cannot be locked?

Thanks for the advice.

[myvice]

Disk lock might be a better way to go. I can disable a grip lock in about 10 seconds (not telling how so f off!) and I wouldn’t be the only one.
People who nick bikes should be dragged down the road behind them!

[Phenoix]

Steering locks are really easy to over come. tho you do nned to have one or two peices of equipment to help.
Disc breaks are alot harder to break off due to there configuration.
But its still possable to just lift the whole thing onto a trailer.

[myvice]

Big angry dog!
Kinda hard to fit under your seat tho...

[SuperDave]

I'm just interested in what will meet the requirements of my insurance policy. Yeah I know I should really just try and look it up but I really don't want to call them up and tell them that my steering lock aint working. I guess I could always just say it was locked and they would never know.

[Oscar]

I remember reading on here a while back that if your bike gets stolen and the steering has not been locked then it will void your theft insurance or something.

Dunno what is wrong with my ZXR but it is not possible to lock the steering. So, would one of those yellow grip locks do the job? If I had one of those on my bike would it overide the fact that my steering cannot be locked?

Thanks for the advice.

Read your policy.
Some require "a secondary locking device".
Otherwise it would be covered by your "duty of care".
Parking your bike overnight in a dark alley and relying on the ignition lock might be considered grounds for refusing a claim.

However, in my (professional) opinion an insurer would actually have to put the "secondary locking device" clause in your policy AND be able to prove that they especially drew it to your attention AND prove that you were grossly stupid (se above) for it to stand up in court.

I'd say the yellow brake locks would be fine. The fact is that given enough time, your bike WILL be stolen, you are only discouraging the casual thief (or making him move on to the one parked next to yours).
BTW - New Hondas have ignition dead locks which qualify as the secondary device.

[classic zed]

I have a padlock that fits the hole in the disc, I know it works because I forgot to take it off one day I really must paint it a bright colour.

It made the front brakes a bit nasty on the ride home and I had to take the die grinder to the disc to get the lump off it.:slap:

[scumdog]

I have a padlock that fits the hole in the disc, I know it works because I forgot to take it off one day I really must paint it a bright colour.

It made the front brakes a bit nasty on the ride home and I had to take the die grinder to the disc to get the lump off it.:slap:

Nice looking avatar!
I have seen a lot of bikes with disc-locks fitted with a cable that goes up to the ignition/handle-bars to remind you the lock is there. (bit late now you say?)

[Sniper]

I have a clause in my policy stating that I must have a secondary lock. I can see why when I look at how easy it is to disable the ignition lock. According to NAC insurance, any sort of device that hinders or renders the movement of the front wheel is classed as a secondary device.