Insurance question for those who keep bikes in the house
Discussion
Call Bemoto.
Anyway, ridiculous really. Someone breaks into your garage and the police give you a crime number. Someone steals from your house and it's burglary and taken a lot more seriously. Point being that there are far less people prepared to break into houses than there are people who will rob a garage. It should be much safer keeping them in the house.
Anyway, ridiculous really. Someone breaks into your garage and the police give you a crime number. Someone steals from your house and it's burglary and taken a lot more seriously. Point being that there are far less people prepared to break into houses than there are people who will rob a garage. It should be much safer keeping them in the house.
Edited by cbmotorsport on Thursday 17th October 10:51
catso said:
But might it then cause problems with your house insurance, increased risk of theft, fire hazard etc.?
I can see an issue with that. According to building regulations, garages integrated with houses must have a fire door, a finished floor level at least 150mm(??) lower than the adjacent rooms in the house & have fire retardant ceilings/walls. Worth reading house insurance policy conditions; putting your bike into your study would potentially change the status of the study to a garage, which would then need fire proofing etc.....
anonymous said:
[redacted]
In my case they didn't know, cos I didn't tell them.The bikes were undoubtedly more secure in the house than they would have been in the garage, but the policy did say that they needed to be kept in a locked and secure garage between 22.00 and 06.00 if kept at the insured address.
So whilst they may have been in the living room, they certainly weren't in a locked and secure garage. So during the night I guess they weren't insured.
As far as the house insurance is concerned, I also expect there would have been problems with a claim had one of the bikes spontaneously combusted.
It's food for thought.
As the batteries were removed, the risk of fire would have been negligible. The risk of theft is more difficult to measure, as the bikes could clearly be seen through the living room window to the extent that they were a source of amusement amongst the neighbours.
I suspect that disclosure is the best policy and that it arises pretty frequently amongst the duffers with their Norton Internationals and those weirdos who hang their Ducatis on the wall next to the telly.
Biker 1 said:
catso said:
But might it then cause problems with your house insurance, increased risk of theft, fire hazard etc.?
I can see an issue with that. According to building regulations, garages integrated with houses must have a fire door, a finished floor level at least 150mm(??) lower than the adjacent rooms in the house & have fire retardant ceilings/walls. Worth reading house insurance policy conditions; putting your bike into your study would potentially change the status of the study to a garage, which would then need fire proofing etc.....Have you actually considered the flammability of a motorbike tucked in your dining room?
Domestic fires generally start from cooking, smoking (including matches, lighters, candles, wax-melts etc) or electrical failures.
Although your bike is unlikely to simply burst in to flames by itself, the huge amount of fuel it would provide if a fire does start should convince you not to be so f
king daft in the first place...
Domestic fires generally start from cooking, smoking (including matches, lighters, candles, wax-melts etc) or electrical failures.
Although your bike is unlikely to simply burst in to flames by itself, the huge amount of fuel it would provide if a fire does start should convince you not to be so f
king daft in the first place...Gassing Station | Biker Banter | Top of Page | What's New | My Stuff