Anyone else *not* got a garage?
 

ak47's "Dilemma" thread (999 v. 749) got me thinking about insurance...

Way back when, when I bought the 748, my understanding was that the 996/998 was Group 17, and the 748 Group 15. Furthermore, that the brick-type garage was pretty well mandatory for Group 17 bikes, and I wouldn't get cover without one. As I have no garage, and am unlikely to have one in the foreseeable future, I took it that Group 17 bikes were in general out of the question for me. I have a ground anchor cast in my back yard, under the bedroom window. In my view that's as secure, if not more so, that a separate garage. But insurance companies don't seem to see it that way.

Don't get me wrong: I'm very happy with my bike, and it's still way ‘more bike than I am rider’. So I certainly don't "need" anything bigger. But as the prices of 7448/996/998's seem to be falling fast these days, maybe a 996 or some such wouldn't be out of the question at some point in the future.

So does anyone run a litre bike without a garage?

For reference my basic premium for the 748 (pre- legal gubbins and breakdown cover) is about £220.


TIA


[Edited on 25-1-2005 by moto748]

I had a 996 insured in London without a garage, but I paid through the nose for it. That was with Carole Nash. £1400

Well if I lived in ThatLondon, I don't think I'd be riding a Ducati at all!

yer i have a 748 in a shed cat 1 alarm home made ground anchor and chain on it i just got my quote for next year, 4 yers ncd and 23 years old + 1 month ban (sp30) and its £560 fully comp

I notice that the requirement for a "brick" garage appears to have vanished from the insurance co's web sites. When i renewed they only asked for a garage, they didnt specify what it was to be made of. My point is that one of those metal shed things might do.

Hi Moto

I ride a 748r 2001 and have no garage. Of course i would love a garage but I cant have one so tuff for me I guess.

Insured through Ducati Insurance, I live in Essex and it costs me £440 fully comp. I have 5 years no claims.

They class it as - Unlocked garage/drive

Hope this helps.

Hey you guys check this out !!!!!


http://www.secure-a-bike.com/

I live in London and don't have a garage - only a front yard with a ground anchor & run a 996S - insurance is a grand fully comp with insuremyducati.
Would love to be able to afford a house in the capital with a garage but I'm not rich enough.

when I checked mine out (thought about converting the garage) most seemed to accept a covered place - ie shed was fine. Or, as Mav puts above, a purpose built bike store.

I have no Garage but it does live in the House. I have a Traders Policy I opted for bike cover unlimited cc. £760 TPFT. 31 years old, 0 years no claims due to a theft.
Allows me to drive any car/bike in my custody or control. But £5k max claim.