I've just been speaking to my mate who is at uni in Leeds. Last week he bought a good condition CG125 <Makes Sign of Holy Pushrods> but couldn't get insurance quotes below £480 for TPO. I know the people I am insured with are good for cheap prices [1] so gave him the number. He got a quote of £310, which he was well pleased with so he's now insured with them. [2] The problem is, he has said that the bike is garaged, but apparently the lock up he has it in doesn't count, as it's shared between so many students, so it isn't secure enough, but he has said it's in a garage to the insurers anyway to keep the quote down. His thinking is that if it gets nicked, he isn't getting any cash back off them, so why does it matter if it's in a garage or not? My question is, why do third party only insurers care if the bike is garaged or not, and if he runs someone over, can they not pay out since the bike isn't kept in an area which they would class as garaged? [1] Thankfully[3], I haven't needed to test them on paying out yet. [2] Don't know how they are for insurance on bigger bikes, but they do a specific 125cc policy that comes out at least a couple of hundred quid below everyone else. **E-mail me if you want the details** [3] That came out as "Thankfukky" first time round, which seems to fit quite well.
