What bike locks do insurers like the most?
Discussion
What I find odd is that they only let you add 2 security devices. So once you add factory immobiliser you can only add one other device. So then you can’t add a ground anchor if you’ve added immobiliser and chain. Just remember that if you list it, you best use it or you will come unstuck if things go wrong.
Are you asking about at home or away? Personally I want the bike secured to something.
Are you asking about at home or away? Personally I want the bike secured to something.
I did a quote with and without a Thatcham approved disc lock and it didn’t make a bit of difference.
So I insured it without. My concern would be if I nipped into a shop and didn’t put the disc lock on how much of a pain would it be if the bike was nicked?
Yes I do use security but I decide myself on the circumstances if it’s necessary or not.
Drawweight said:
I did a quote with and without a Thatcham approved disc lock and it didn’t make a bit of difference.
So I insured it without. My concern would be if I nipped into a shop and didn’t put the disc lock on how much of a pain would it be if the bike was nicked?
Yes I do use security but I decide myself on the circumstances if it’s necessary or not.
I always quote “without” for just that reason. My bikes are always slathered in chains though. So I insured it without. My concern would be if I nipped into a shop and didn’t put the disc lock on how much of a pain would it be if the bike was nicked?
Yes I do use security but I decide myself on the circumstances if it’s necessary or not.
Ive never had a quote reduced because of physical security. More often the insurer enforces the use of secondary approved physical security for high group, high risk bikes or locations. e.g when I first got a new MV Agusta it had to have disck lock and/or chain when leaving it anywhere. By the time is was 5 year old and depreciated in value this clause was not enforced and the insurance premium was much lower anyway.
Its a similar situation with trackers, never been offered a discount, but if you dont have one fitted many insurers will not cover high value/group cars or bikes.
Its a similar situation with trackers, never been offered a discount, but if you dont have one fitted many insurers will not cover high value/group cars or bikes.
Dog Star said:
Drawweight said:
I did a quote with and without a Thatcham approved disc lock and it didn’t make a bit of difference.
So I insured it without. My concern would be if I nipped into a shop and didn’t put the disc lock on how much of a pain would it be if the bike was nicked?
Yes I do use security but I decide myself on the circumstances if it’s necessary or not.
I always quote “without” for just that reason. My bikes are always slathered in chains though. So I insured it without. My concern would be if I nipped into a shop and didn’t put the disc lock on how much of a pain would it be if the bike was nicked?
Yes I do use security but I decide myself on the circumstances if it’s necessary or not.
mikey_b said:
Dog Star said:
Drawweight said:
I did a quote with and without a Thatcham approved disc lock and it didn’t make a bit of difference.
So I insured it without. My concern would be if I nipped into a shop and didn’t put the disc lock on how much of a pain would it be if the bike was nicked?
Yes I do use security but I decide myself on the circumstances if it’s necessary or not.
I always quote “without” for just that reason. My bikes are always slathered in chains though. So I insured it without. My concern would be if I nipped into a shop and didn’t put the disc lock on how much of a pain would it be if the bike was nicked?
Yes I do use security but I decide myself on the circumstances if it’s necessary or not.
That’s excellent advice - I currently declare all my security... no more!
Zedboy said:
mikey_b said:
Dog Star said:
Drawweight said:
I did a quote with and without a Thatcham approved disc lock and it didn’t make a bit of difference.
So I insured it without. My concern would be if I nipped into a shop and didn’t put the disc lock on how much of a pain would it be if the bike was nicked?
Yes I do use security but I decide myself on the circumstances if it’s necessary or not.
I always quote “without” for just that reason. My bikes are always slathered in chains though. So I insured it without. My concern would be if I nipped into a shop and didn’t put the disc lock on how much of a pain would it be if the bike was nicked?
Yes I do use security but I decide myself on the circumstances if it’s necessary or not.
That’s excellent advice - I currently declare all my security... no more!
Last time I did it I was on the phone so it was easy to add and take off certain things without resubmitting the whole quote.
mikey_b said:
Dog Star said:
Drawweight said:
I did a quote with and without a Thatcham approved disc lock and it didn’t make a bit of difference.
So I insured it without. My concern would be if I nipped into a shop and didn’t put the disc lock on how much of a pain would it be if the bike was nicked?
Yes I do use security but I decide myself on the circumstances if it’s necessary or not.
I always quote “without” for just that reason. My bikes are always slathered in chains though. So I insured it without. My concern would be if I nipped into a shop and didn’t put the disc lock on how much of a pain would it be if the bike was nicked?
Yes I do use security but I decide myself on the circumstances if it’s necessary or not.
iidentifyaswoke said:
Same here (London). Pragmasis or Almax (I have both) chain to a solid object.
+1 for Pragmasis anchor and Almax chain. I haven't declared either though as I don't want the faff of having to prove it was always secured in a garage and the price difference was nil, I just want to not have to claim, so I use them.Gassing Station | Biker Banter | Top of Page | What's New | My Stuff