Unlikely to be a factor away from home, can't be expected to haul a big lump of chain around not safe or practical in anyone's eyes.
It's surely a good defence and prob not a stipulation for the above reasons, feel sick for this happening in but
Yeah, that's my biggest fear at the moment. They might play on the fact I didn't have the chain at work. But, to be honest: - I had a tracker - at home I have a secure underground car park with electronic gates, and yet it's considered roadside by the insurance - the car park at work is private property, with security and cctv (hence theoretically an improvement from the overnight storage at home)
They haven't said anything yet, I'm waiting for the V5C from the DVLA, I haven't received yet, since the bike was 5 days old, which they need in order to start the process
I have said that already, I'm afraid. I was just worried they might check the cctv. Too late to take it back?
Camelfarmer, sorry can I ask you what happened when they stole yours? Was it parked at home with the security devices you declared on?
It was at home so it was straight forward. They did ask if there were any cameras that would have covered the bike... and there weren't.
I've found this contradiction: http://www.mceinsurance.com/content/mce-insurance-news/a-guide-to-insurance-mcenews.html ("Does extra security help? "The best way to improve your security is by keeping your bike in a locked garage," says Julian Edwards, boss of MCE Insurance. "This can also result in a premium saving. For bikers who don't have a garage, while we don't offer discounts we do recommend they fit locks with a ground anchor and keep their bike away from view of the road or path. And if commuting use a public car park as opposed to street parking.") Contradicting: "MCE3 Excluding theft unless security device is fitted We will not pay any theft claim under Section 1, ‘Loss or Damage’ to your motorcycle of this document unless the security device fitted or applied to your motorcycle, which has been declared to us and for which a reduction in premium has been given, is in working order and has been correctly attached and switched on before the theft happened. " So it looks like they don't offer discounts for locks/chains/ground anchors (hence not reducing the premium), so theoretically the chain I can't carry around doesn't belong to the devices that gave me a premium reduction. Or am I misreading this?
I think you are worrying to much, you can't be expected to put a chain around the bike all the time when unattended, should you put the chain on when paying for petrol ?, when nipping into a shop ?, when riding out to meet mates and popping into a cafe for a cupa ?, not at all in my opinion, relax and let this pan out. Steve
Yeah I know, I'm panicking... and I'm sorry to bother you guys. It's just that it'll be a while before I hear back from the insurance (still waiting for modules from the DVLA before proceeding with the claim). Sorry guys, I'm literally freaking out
We all feel your pain and from what I've read we all think you'll be OK, you can't help worrying but don't let it stress you out, there's nothing more you can do until you hear back from the insurance company. Steve
Be calm. MCE have been excellent when my brother broke down in Spain. Covered all his costs. No complaints what so ever. Also, if you find the vid on this forum of the theives breaking into Ducati Manchester you will see them get in and out of there in something like 17 seconds, with 2 bikes. The bikes were chained. They might as well have been tied together with string and tied in a bow. The chain made no difference what so ever. In your case it would have been the same. I really don't think you will have a problem....other than the fact you've got no bike to ride at the moment. Also, the small print you refer to states ' has been attached and switched on'. Difficult to switch on a chain. Apparently very easy to cut one off though.
Thanks for your support guys, it's really appreciated. I really hope this thing will work out ok. It's just frustrating not having a bike (of course) and being suspended in this sort of middle ground waiting for documents before starting the claim. Again, I really appreciate your help, and please if you have any advice let me know. Thank you so much everyone!
I would have thought that the use of the chain etc was when the bike in its normal parking area i.e. at home. As long as you took all reasonable precautions when parking it at work there should be no problems.
