raleighnut
Legendary Member
- Location
- One of the 'Elite'
Isn't that likely to end up as a "burglar's shopping list" like immobilise did? Don't upload your bikes before they're nicked IMO.
25 here, but Sutton has low cyclist numbers compared to other boroughs such as Kingston and Richmond"http://stolen-bikes.co.uk/mapping/?postcode="
5 bikes in 6 months within 1 mile of me.
Probably the http://police.uk crime map service. Were the high end bikes you know reported to the police?Where does that site get its data from because I have put a few postcodes from the town next to me and it says no bikes have been stolen. But I know there are a few high end bikes that have been nicked in the last 6 months.
This reminded me of some 'advice' I was given some decades ago when new to driving. Someone told me that should my car ever be stolen from outside the house don't report it as the site of the theft but choose somewhere else suitable/plausible that is nearby but preferably in a different postcode.Probably the http://police.uk crime map service. Were the high end bikes you know reported to the police?
Probably the http://police.uk crime map service. Were the high end bikes you know reported to the police?
Possible, but I think most insurance policies I've seen for expensive bikes (not my bikes - purely academic reading when online discussions mentioned them!) give you a much lower excess for thefts from home because they specify higher security at home (ground anchors and stuff). Also, they usually want a police incident number so they'd be reported and I'd expect the false nearby location to be within a mile of home, so still show up for you in the total on the postcode search.I wonder if this is happening with expensive bikes too? You need to claim for the theft of your £5k bike but you also want to be able to insure the replacement next year. To ensure this isn't prohibitively expensive you could claim the bike was stolen while suitably locked up outside the nearby newsagent where you had stopped to buy a lottery ticket. Your renewal quote isn't loaded and you are only the cost of a broken window or door lock out of pocket.
This may be why the stats don't seem to reflect reality?
Looks much better than a Venge
This reminded me of some 'advice' I was given some decades ago when new to driving. Someone told me that should my car ever be stolen from outside the house don't report it as the site of the theft but choose somewhere else suitable/plausible that is nearby but preferably in a different postcode.
The reasoning for this is that the theft incident will be tagged onto the address and it will then have a blackmark against it which will be considered by all insurers when quoting for an insurance premium. Also by choosing a different postcode you are not impacting the insurance rates for yourself and the immediate area.
The fact that this was lies didn't apparently matter as they were unlikely to recover the vehicle and if they did they were even less likely to apprehend the culprits and even in the unlikely event that they were caught the chance was that the thieving scumbags insistence he didn't take the car from where you said it was stolen would be considered to be a weak attempt to avoid the rap.
I wonder if this is happening with expensive bikes too? You need to claim for the theft of your £5k bike but you also want to be able to insure the replacement next year. To ensure this isn't prohibitively expensive you could claim the bike was stolen while suitably locked up outside the nearby newsagent where you had stopped to buy a lottery ticket. Your renewal quote isn't loaded and you are only the cost of a broken window or door lock out of pocket.
This may be why the stats don't seem to reflect reality?
This sounds pretty fraudulent to me. )
I'm not saying I have done this, would do this or condone it in any way, but I'm sure it does happen.This sounds pretty fraudulent to me. My car was stolen from my drive at night a few years ago If I had reported the theft at a different postcode, I would potentially not have been insured, as my car is insured to be on my drive at night. Lying to an insurance company in such as situation does sound like a pretty stupid thing to do if you expect the claim to be settled and to be able to get insurance later (and potentially not be prosecuted for fraud)
Interestingly, and it may be a coincidence, the insurance company (same as for the car) at my home insurance renewal stipulated that I had to have a burglar alarm fitted (I hadn't been burgled for the keys, the scumbags somehow lifted the car). I just moved my home insurance elsewhere, no need to disclose motor claims (insurers I believe can access all the info anyhow through their databases)
Motor vehicle insurance companies practically encourage you to lie. Their standard T&Cs usually include something to the effect of 'under no circumstances admit fault or accept liability for any accident or claim arising from any incident covered by this insurance policy'. .
Yes. In my only at-fault collision I said "I am not admitting liability, but the facts are that your car was stopped a red light and I drove my car into the back of it." It was hard not to add "sorry" at the end.Not admiting liability is not the same as lying
True, but it would seem many people make it a personal aim to never accept any liability and also inflate any claims to benefit by as much as possible. Until insurance companies start to publically hurt these people, it will continue.Not admiting liability is not the same as lying