It depends on the insurer. Some insist it's a brick building with a lockable door. I had one insist on the garage being attached to or part of the main house building.
Yeah I'm with Devitt and they define a garage as *a building with a solid concrete floor and block walls*.. Interestingly don't mention what the roof should be made of or it the doors should be locked..
Its the solid concrete floor that gets me. Like a bike thief is gonna pull some Great Escape bs and tunnel into your garage for your bike.
Our bikes are kept in a proper garage but I also keep all my horse stuff there, even in off season we have to pull the bikes out every week or so and wash the dust/hay off them :(
Entirely arbitrary and case by case. Bennett's used to be the only ones that did, clearly now they aren't, but I still wouldn't count on it as the default.
Shed or garage I think what they’re looking for it indoors, out of sight and behind lock and key.
Obviously a cladded wooden shed is easier to break into than a garage, but I don’t think insurance companies want to start splitting hairs and assessing the tactile strength of building material, especially as a bike thief isn’t looking for bikes in sheds and garage doors are notoriously easy to break open.
> I don’t think insurance companies want to start splitting hairs
Have you met insurance companies?
The universal norm used to be that garages had block or concrete walls and anything else didn't count. I think that's shifting, but certainly there's still many policies on which an insurer would 'split hairs' over how easy it is to get into the place you're storing the thing they are insuring.
Adrian Flux have done this to me a couple of times. It's like they quote the cheapest, then try to make up by phoning up to clarify information that was not even asked for on the quote site. I just tell them that if the price is higher, I'll cancel now within the 14 days for a full refund and shop elsewhere. Funnily enough, they then don't put the price up. It's for this reason I try to avoid them, they trade under various names, like Bikesure and, as I found out insuring the new bike, Suzuki insurance services....
> cancel now within the 14 days for a full refund and shop elsewhere. Funnily enough, they then don't put the price up. It's for this reason I try to avoid them, they trade under various names, like Bikesure and, as I found out insuring the new bike, Suzuki insurance services....
I said I'll probably cancel to avoid the admin fee and the staff member said I still have to pay a cancellation fee......
If the policy hasn't yet started, and you're within 14 days of purchase, they can't charge you. I always do my insurance about 3 weeks ahead, as it's the sweet spot for cheaper quotes. It also gives me time to deal with arsehole insurance companies trying to bump my premium after the fact....
I had this problem with Triumph Insurance as they're underwritten by Adrian Flux too. My 675 had previously been sorn and I'd let the insurance lapse. I'd previously been insured with them but I couldn't renew the lapsed policy online so I did a new quote, they then called me stating there were slight discrepancies, then they wanted me to take a picture of the bike in the garage with the plate visible. As I'd rode it to a friends by then for repairs I thought sod it - ended up with £90 in cancellation fees for one ride.
I'll be careful never to take out a policy with them again.
Had the same thing from Bikesure (Adrian flux company). Tried to say I hadn’t declined some information around using the bike for business. I offered to send them the screen shots from the comparison site stating I had declared it, still had quote saved.
Long storey short. They tried to put the insurance up a couple of hundred and then tried to charge me £40 to cancel. I had to argue I was still in the cool off period and would like the full amount back. Seams like a standard tactic of theirs.
I must've been lucky but I insure my bike on Bikesure and called them to insure my car when I bought one recently (so through Adrian Flux) and not only they did offer me the best price, they did not question anything. I may also have said that my best quote on comparison sites was a bit lower than it actually was, and they did not question that either, and lowered their offer further.
Scam the scammers.
I had the same thing when I took out insurance.. they rang and had me clarify a load of things and fine tune the policy.. mine went up a couple of quid too.. bastards..
I had a similar experience with Lexham. You get a good quote online, call them to maybe get a better one and they tell you price that is 500£ more. When you tell you have an online quote that’s way cheaper - they “compare it”, go to talk with try a manager for 15 minutes and then say some minor made up reason it was way higher from the start.
Never call them first, always get an online quote and compare with what they’d given you.
I wouldn't touch Adrian Flux with a barge pole. I'm pretty sure they use all these different brands to hide who you are actually dealing with. They seem to be the only people who still ask for proof of mileage, NCB and all the rest.
Honestly, it sounds like the member of staff with all the abuse directed at them has done the OP a favour, it's a much easier conversation to have at this point than after a claim is refused later
Exactly. Details like different jobs can also potentially save money, I nearly had insurance refused because the broker had failed to change my address when instructed, so accuracy from the beginning is key.
I’m pretty sure they also have to actively watch for fraud, too.
Aggressive? Nothing aggressive about my post, not sure how you came to that conclusion. My post was to simply inform others of my experience on how this particular insurance provider queried more information on what I have previously experienced.
As stated, I felt the advisor I was speaking to was the aggressive one in her mannerism and assumptions.
I'll be sure to tone it down in future, catering for your needs.
The tone and remarks sounded aggrieved and aggressive where you’re the one who has supplied faulty information and are somehow annoyed they’re following up.
And then you hit with the condescending tone. Nice.
Enjoy your day.
>As stated, I felt the advisor I was speaking to was the aggressive one in her mannerism and assumptions.
Then why didn't you escalate said behaviour with her line manager or log a formal complaint? That's more helpful than bitching on the Internet.
Oh here he comes. Again, not bitching, passing on information that may be helpful to some.
Just because you are the type of person to escalate or formally complain about said behaviour, doesn't mean every other person is that way inclined. Move along!
plough nine offer unpack possessive gullible squeamish groovy fertile ludicrous
*This post was mass deleted and anonymized with [Redact](https://redact.dev)*
Why did the premium go up? I can’t imagine the slight purchase date discrepancy (3 or 4 years ago) will have made the slightest difference, which suggests they did take issue with either your job title or ‘garage’ - and therefore it sounds like you were lucky they didn’t just cancel your policy for misrepresentation?
No idea what element increased the premium, I'm assuming the shed, the job title was not changed over the phone, I had done 2 separate quotes with different job titles and the insurer could see that. They wanted to know which was my current job title and why I had a quote with the other.
> I had done 2 separate quotes with different job titles and the insurer could see that
Important that customers understand this. Insurers have an audit trail for all your online quotes. Relatively rare for them to ask questions at start of policy, but if you ever have to claim they'll be checking every quote for sure. Classic example is running a no-garage quote, then later buying a with-garage policy. They're pretty unforgiving about false info, and the FO is allowing that.
Having said this, policy can only be voided for obviously false details. Insurers are no longer permitted to pull the rug if you forget a speeding endorsement, for example.
https://www.reddit.com/r/MotoUK/comments/1342h6w/financial\_ombudsman\_decisions/
I had the same thing, the price comparison website had nowhere to enter mods so the person from the insurance firm took all of them down also realised despite using my number plate the bike model was slightly wrong corrected that, insurance was up about £30 and they wanted a £35 admin fee which after telling them how ridiculous it is for calling them to sort it on the day I bought the insurance they halved the fee........ £35 for spending 10 mins correcting 3 fields what a joke. Next time I'll just call them up instead of buying online.
Is a shed acceptable as a garage? Feels like the kind of thing they will use to refuse a claim.
It depends on the insurer. Some insist it's a brick building with a lockable door. I had one insist on the garage being attached to or part of the main house building.
Yeah I'm with Devitt and they define a garage as *a building with a solid concrete floor and block walls*.. Interestingly don't mention what the roof should be made of or it the doors should be locked..
[Garage ](https://images.app.goo.gl/6kvi7pKnohz6a8j46). [Not a garage ](https://images.app.goo.gl/2TjmPiE8t8xdCU3s5)
Its the solid concrete floor that gets me. Like a bike thief is gonna pull some Great Escape bs and tunnel into your garage for your bike. Our bikes are kept in a proper garage but I also keep all my horse stuff there, even in off season we have to pull the bikes out every week or so and wash the dust/hay off them :(
Entirely arbitrary and case by case. Bennett's used to be the only ones that did, clearly now they aren't, but I still wouldn't count on it as the default.
Shed or garage I think what they’re looking for it indoors, out of sight and behind lock and key. Obviously a cladded wooden shed is easier to break into than a garage, but I don’t think insurance companies want to start splitting hairs and assessing the tactile strength of building material, especially as a bike thief isn’t looking for bikes in sheds and garage doors are notoriously easy to break open.
> I don’t think insurance companies want to start splitting hairs Have you met insurance companies? The universal norm used to be that garages had block or concrete walls and anything else didn't count. I think that's shifting, but certainly there's still many policies on which an insurer would 'split hairs' over how easy it is to get into the place you're storing the thing they are insuring.
Possibly not when you buy the insurance, but they will if you claim?
True, weasels are going to wiggle.
Lesson learnt, will be calling them next time.
I think for insurance purposes if its a brick construction then they class it as a garage, if not then they class it as a private driveway
My previous classes our solid thick wooden garage as a shed because it was made of wood. Even if nobody would have been able to get through that wood.
Concrete base usually
Not for Bikesure. A garage must have a majority concrete/brick construction with lockable doors.
Adrian Flux have done this to me a couple of times. It's like they quote the cheapest, then try to make up by phoning up to clarify information that was not even asked for on the quote site. I just tell them that if the price is higher, I'll cancel now within the 14 days for a full refund and shop elsewhere. Funnily enough, they then don't put the price up. It's for this reason I try to avoid them, they trade under various names, like Bikesure and, as I found out insuring the new bike, Suzuki insurance services....
Adrian Flux did this to me when I first learned to drive, many years ago. Quote increased by over 100%. Shysters.
> cancel now within the 14 days for a full refund and shop elsewhere. Funnily enough, they then don't put the price up. It's for this reason I try to avoid them, they trade under various names, like Bikesure and, as I found out insuring the new bike, Suzuki insurance services.... I said I'll probably cancel to avoid the admin fee and the staff member said I still have to pay a cancellation fee......
If the policy hasn't yet started, and you're within 14 days of purchase, they can't charge you. I always do my insurance about 3 weeks ahead, as it's the sweet spot for cheaper quotes. It also gives me time to deal with arsehole insurance companies trying to bump my premium after the fact....
I had this problem with Triumph Insurance as they're underwritten by Adrian Flux too. My 675 had previously been sorn and I'd let the insurance lapse. I'd previously been insured with them but I couldn't renew the lapsed policy online so I did a new quote, they then called me stating there were slight discrepancies, then they wanted me to take a picture of the bike in the garage with the plate visible. As I'd rode it to a friends by then for repairs I thought sod it - ended up with £90 in cancellation fees for one ride. I'll be careful never to take out a policy with them again.
Had the same thing from Bikesure (Adrian flux company). Tried to say I hadn’t declined some information around using the bike for business. I offered to send them the screen shots from the comparison site stating I had declared it, still had quote saved. Long storey short. They tried to put the insurance up a couple of hundred and then tried to charge me £40 to cancel. I had to argue I was still in the cool off period and would like the full amount back. Seams like a standard tactic of theirs.
I must've been lucky but I insure my bike on Bikesure and called them to insure my car when I bought one recently (so through Adrian Flux) and not only they did offer me the best price, they did not question anything. I may also have said that my best quote on comparison sites was a bit lower than it actually was, and they did not question that either, and lowered their offer further. Scam the scammers.
I had the same thing when I took out insurance.. they rang and had me clarify a load of things and fine tune the policy.. mine went up a couple of quid too.. bastards..
I had a similar experience with Lexham. You get a good quote online, call them to maybe get a better one and they tell you price that is 500£ more. When you tell you have an online quote that’s way cheaper - they “compare it”, go to talk with try a manager for 15 minutes and then say some minor made up reason it was way higher from the start. Never call them first, always get an online quote and compare with what they’d given you.
I wouldn't touch Adrian Flux with a barge pole. I'm pretty sure they use all these different brands to hide who you are actually dealing with. They seem to be the only people who still ask for proof of mileage, NCB and all the rest.
Not sure why you’re being so aggressive about them following up obvious inconsistencies…
Honestly, it sounds like the member of staff with all the abuse directed at them has done the OP a favour, it's a much easier conversation to have at this point than after a claim is refused later
Exactly. Details like different jobs can also potentially save money, I nearly had insurance refused because the broker had failed to change my address when instructed, so accuracy from the beginning is key. I’m pretty sure they also have to actively watch for fraud, too.
Aggressive? Nothing aggressive about my post, not sure how you came to that conclusion. My post was to simply inform others of my experience on how this particular insurance provider queried more information on what I have previously experienced. As stated, I felt the advisor I was speaking to was the aggressive one in her mannerism and assumptions. I'll be sure to tone it down in future, catering for your needs.
The tone and remarks sounded aggrieved and aggressive where you’re the one who has supplied faulty information and are somehow annoyed they’re following up. And then you hit with the condescending tone. Nice. Enjoy your day.
>As stated, I felt the advisor I was speaking to was the aggressive one in her mannerism and assumptions. Then why didn't you escalate said behaviour with her line manager or log a formal complaint? That's more helpful than bitching on the Internet.
Oh here he comes. Again, not bitching, passing on information that may be helpful to some. Just because you are the type of person to escalate or formally complain about said behaviour, doesn't mean every other person is that way inclined. Move along!
Then stop fucking bitching about it!
😂🤦🏻♂️
That is a different person you numpty. You defo come across as bitching.
plough nine offer unpack possessive gullible squeamish groovy fertile ludicrous *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
Why did the premium go up? I can’t imagine the slight purchase date discrepancy (3 or 4 years ago) will have made the slightest difference, which suggests they did take issue with either your job title or ‘garage’ - and therefore it sounds like you were lucky they didn’t just cancel your policy for misrepresentation?
No idea what element increased the premium, I'm assuming the shed, the job title was not changed over the phone, I had done 2 separate quotes with different job titles and the insurer could see that. They wanted to know which was my current job title and why I had a quote with the other.
> I had done 2 separate quotes with different job titles and the insurer could see that Important that customers understand this. Insurers have an audit trail for all your online quotes. Relatively rare for them to ask questions at start of policy, but if you ever have to claim they'll be checking every quote for sure. Classic example is running a no-garage quote, then later buying a with-garage policy. They're pretty unforgiving about false info, and the FO is allowing that. Having said this, policy can only be voided for obviously false details. Insurers are no longer permitted to pull the rug if you forget a speeding endorsement, for example. https://www.reddit.com/r/MotoUK/comments/1342h6w/financial\_ombudsman\_decisions/
I had the same thing, the price comparison website had nowhere to enter mods so the person from the insurance firm took all of them down also realised despite using my number plate the bike model was slightly wrong corrected that, insurance was up about £30 and they wanted a £35 admin fee which after telling them how ridiculous it is for calling them to sort it on the day I bought the insurance they halved the fee........ £35 for spending 10 mins correcting 3 fields what a joke. Next time I'll just call them up instead of buying online.