Ducati Sporting Club UK
Ducati Insurance - Questions and Answers!
This section allows you to ask questions about insurance directly to Ducati Insurance and receive a reply!
 
 
Thread Tools Search this Thread Display Modes
  #1  
Old 24-Jan-2006, 21:40
lancisto's Avatar
lancisto lancisto is offline
Registered Forum User
Mille
 
Posts: 109
Join Date: Nov 2005
Check the small print

I don't know if it's common knowledge, but it wasn't for me until a nice lady a Ducati Insurance told me. Ducati insurance and several others do not give cover to your bike if it is within 2 miles of your house. Therefore, summers afternoon, just washed and polished your bike on the drive, go inside to get your gear on and come outside to find said bike gone, then find out you are not covered. Small print says the bike has to be in locked garage at all times when at home address.
I'm currently with Benetts which says bike has to be in the garage between 10pm and 6am, which I think is reasonable.
If all this has been said before, apologies, but it is worth knowing
Quote+Reply
  #2  
Old 24-Jan-2006, 21:52
AK's Avatar
DSC Member AK AK is offline
DSC Club Member
BSB Star
 
Posts: 6,367
Join Date: Jan 2003
Mood: www.knightroadraceteam.co.uk
Carole Nash are the same - that why we always lob ours straight in after a ride.
They come out for a clean, when we have changed & the engines have cooled a little - neither do we often fill up in the garage round the corner for the same reason (and also cos the bikes hate re-starting on cold days when they have done half a mile)

C
Quote+Reply
  #3  
Old 25-Jan-2006, 01:30
Nattyboy's Avatar
Nattyboy Nattyboy is offline
Registered Forum User
Ducati in my Blood
 
Posts: 4,181
Join Date: Dec 2003
Mood: Back down to 3 :>(
Cheerrist..I didnt know that ???!!
Quote+Reply
  #4  
Old 25-Jan-2006, 01:42
bradders's Avatar
bradders bradders is offline
Registered Forum User
MotoGP God
Bikes: 848, M620 DD bike
 
Posts: 11,913
Join Date: Aug 2003
Mood: waiting...
would be very surprised, most polices have a 'must be locked away' clause betweem 10pm-6am normally. But if you leave for work at 4.30am, and its unlockled ready to go but lifted, I doubt they wouldnt pay out providing you didnt leave the keys in it
Quote+Reply
  #5  
Old 25-Jan-2006, 01:45
chrisw's Avatar
chrisw chrisw is offline
Registered Forum User
500SD
Bikes: 999 Mono/1198S
 
Posts: 803
Join Date: Jun 2002
Mood: Messing with diagnostics
Just checked my Devitt policy - 500 yard radius from home address theft exclusion unless garaged.
Quote+Reply
  #6  
Old 25-Jan-2006, 12:18
Stu748R Stu748R is offline
Registered Forum User
Big Twin
 
Posts: 1,160
Join Date: Jul 2005
Mood: I've just ordered a new bike and its a ..
Same here 500mts from house however i think you'll find that your insured but on a higher excess.I am also with Ducati Insurance but i might have different terms and conditions.
Quote+Reply
  #7  
Old 25-Jan-2006, 13:10
electricsheep electricsheep is offline
Registered Forum User
Big Twin
 
Posts: 1,037
Join Date: May 2003
Mood: Diet
Ducati Insurance is a broker, so it will depend on who actually issues the policy.
Quote+Reply
  #8  
Old 25-Jan-2006, 19:42
PB PB is offline
Registered Forum User
Mille
Bikes: 748
 
Posts: 166
Join Date: Jun 2004
Mood: C'est la vie...
Another issue that raised its ugly head a couple of years ago for a friend of mine:

He had an automatic renewal of his insurance through his broker, and his cover included riding other bikes with the owners permission. However, he found out when stopped by the police, riding a friend's bike, that the level of cover had changed at the last renewal such that he was no longer covered to ride other bikes - and he had not been informed!

After a lenghty explanation in court the magistrates believed his innocence (largely helped when he disclosed what he paid annually in insurance to cover his house, business, cars & bikes!). The police on the other hand were hell bent on a conviction, even though he was not stopped for any particular offence - only a "desire to inform the public of road safety issues"!

Beware unannounced changes in your insurance cover - particularly if, like me, your cover is renewed automatically unless you contact the broker.......
Quote+Reply
  #9  
Old 25-Jan-2006, 23:16
rockhopper's Avatar
rockhopper rockhopper is offline
Registered Forum User
Ducati Corse
 
Posts: 3,367
Join Date: Jul 2001
My bike is insured with Equity Red Star through Ducati Insurance. It is garaged but the policy doesn't require it to be!!

The policy document says that if the insurance is based on the bike being garaged and it is then stolen within 500 metres of that garage then the excess will be doubled. No mention of not paying out.
Quote+Reply
  #10  
Old 31-Jan-2006, 18:55
megalite megalite is offline
Registered Forum User
Bevel Head
 
Posts: 87
Join Date: Nov 2005
whats the punishment for riding without insurance then? doubt its that serious?
Quote+Reply
Reply
  
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes
Postbit Selector
Switch to Vertical postbit Use Vertical Postbit

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

vB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Recent Posts - Contact Us - DSC Home - Archive - Top
Powered by vBulletin 3.5.4 - Copyright © 2000 - 2024, Jelsoft Enterprises Ltd. - © Ducati Sporting Club UK - All times are GMT +1. The time now is 16:11.