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Motorcycles On House Insurance

Discussion in 'Insurance - Sponsored by Ducati Insurance' started by Steve m, Jun 11, 2017.

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  1. I wondered if anyone has a motorcycle listed on there house insurance?
    I have a Yamaha R1 4xv that I'm looking to bring into the house out of the garage,I don't really want it out there through another winter, if I'm honest it was only ever bought as an investment
    I'm just wondering if household insurance company's will insure motorcycles kept in the house.
     
    #1 Steve m, Jun 11, 2017
    • Agree Agree x 1
  2. My guess is no. Read the small print.
     
    #2 Pete1950, Jun 11, 2017
  3. Which small print should I read ??
     
    #3 Steve m, Jun 11, 2017
  4. I think you should read the yamahar.co.uk forum , it won't tell you about your house insurance but it's great for R1 owners :upyeah:
     
    #4 jompy, Jun 11, 2017
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  5. Your house insurance won't cover a vehicle. Why don't you buy "laid up" insurance?
     
    #5 Robarano, Jun 11, 2017
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  6. Multibike policy and tell them it's kept in the house. I did that, and they were not surprised at all. Quite common for bikes to be kept in the house.

    I will look for a laid up policy, possibly a "classic" policy next year when I finally retire the 749.
     
    #6 Carbon749, Jun 11, 2017
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  7. You should find a general exclusions and/or conditions section in the full policy wording, which is typical in insurance polices. This will state what the insurer is not covering (i.e. in your household policy). It is not usual that an insurer underwriting home insurance risk would underwrite a motor policy risk. Different risk / loss profile and therefore different pricing etc.
     
    #7 Dry Crutch, Jun 11, 2017
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  8. Thread moved
     
    #8 El Toro, Jun 11, 2017
  9. I own a Ducati too, smart arse !
     
    #9 Steve m, Jun 11, 2017
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  10. I must be smart i have an R1 ;)
     
    #10 jompy, Jun 11, 2017
  11. The print that's small :joy::joy::joy:
     
    #11 JenC, Jun 11, 2017
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  12. Yr comment might be funny if it made sense
    I didn't ask which print , I asked which small print
     
    #12 Steve m, Jun 11, 2017
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  13. How many lots of small print have you got? Serious question btw.
     
    #13 El Toro, Jun 12, 2017
  14. I thought (probably wrongly) that storing bikes in your house invalidates your house insurance as it's effectively a petrol container. That's why they make houses attached to garages, slope the floor away from the house to pass regs.
     
    #14 JH_1986, Jun 12, 2017
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  15. Your probably right there Jh ..
     
    #15 Steve m, Jun 12, 2017
  16. Rather than rely on a bunch of hairy arsed bikers that haven't got a clue why don't you call your insurance company and see what they say, then post the reply on here for our information. #justsaying ;)
     
    #16 El Toro, Jun 12, 2017
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  17. Boo! Hair arsed bikers know best. Especially internet based forum dwellers ;)
     
    #17 JH_1986, Jun 12, 2017
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  18. Were you bullied at school ?
     
    #18 Steve m, Jun 12, 2017
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  19. Oi !!! My arse isn't hairy cheeky shit :mad::p
     
    #19 JenC, Jun 12, 2017
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  20. And he had a massive paper round too ;)
     
    #20 JenC, Jun 12, 2017
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