Theft is covered under your policy following a forcible and / or violent act. In other words, it is clear that someone has targeted the stolen item. In the policy wording (page 9), we define theft as: Theft or attempted theft caused by forcible and / or violent means. This is an act that would cause physical damage as a consequence of forcible and violent actions (entry by the use of any force accompanied by a violent physical act) for the theft cover to apply.
Therefore, bikes that just disappear because someone has been opportune and just walked off with them would not be covered unless there was CLEAR evidence the thief had targeted the bike and applied some physical exertion to liberate the bike.
Bikes that are just left in a pit garage / paddock and left unattended / not securely shackled for someone to simply wheel away is an unreasonable risk to expect insurers to accept so this is the policyholder's risk.
The same applies if left hidden within an awning over night. Put it inside the trailer, lock it to the trailer, and secure the trailer so the thief has to work damn hard or just give up! This is a useful read in respect of trailers but the same philosophy applies to the insurance of other vehicles: How to Properly Protect Your Trailer?
This is a very simple, but effective deterrent to thieves and makes the insured equipment identifiable to the police in such a way that is extremely difficult for the thief to overcome, and as a result his risk level becomes unacceptably high. Datatag has made a major impact on reducing theft and has a 100% successful prosecution rate. Datatag is Thatcham Q listed and is a winner of International Frontline Award for security.
No. There is a Datatag Warranty on your policy. All insured equipment and trailer are to be identified with DATATAG security and identification markings. This must be completed within 21 days of policy inception and the Datatag registration form must be completed and returned to Datatag within this time. Additional information can be found on our website about Datatag. Failure to do so will automatically result in all theft cover being suspended until such time all insured equipment has been datatagged and the appropriate registration form returned to Datatag. Datatag ID Ltd, Marine House, Thorpe Lea Road, Egham, Surrey. TW20 8BF. Datatag's website, tel: 0845 0700 440.
The basic cover provides for theft whilst at the storage address and from a trailer whilst at a race circuit or traveling to and from. Theft is covered providing it is following a forceable and violent act. Trailers must be immobilised by a wheel clamp and a towing hitch lock.
Yes. This can be covered whilst being towed and whilst at the race circuit providing a wheel clamp and towing hitch lock are utilised. When not in use, the trailer will be covered whilst at the storage address providing it is either garaged / locked away out of sight or providing a wheel clamp and towing hitch lock are utilised.
No. ANY damaged caused to the insured vehicle while "trackside" is excluded.
Insurance is currently only available to residents of the United Kingdom, Northern Ireland, the Channel Islands, and the Isle of Man.
Yes, but you will need to contact us if you have not declared this.
In the event of a theft or attempted theft, you should advise us via the web (refer to "claims"). This must be notified to us within 48 hours of the incident. Upon receipt, we will contact you to advise the next step. All theft claims must be reported to the police and a crime reference number will be required. Insurers may wish to appoint a loss adjuster. More details of the role of an adjuster can be found here. In usual circumstances the adjuster will contact you within 48 hours. He will then make a report to Insurers. If you are simply claiming for fire or accident damage you must ensure we have all details and supporting documentation before we can present to insurers.
The policy is underwritten on an indemnity basis. This means that Insurers may take into consideration age and wear & tear when offering settlement of a claim.
As stated on your confirmation of cover document.
Please refer to the policy wording and summary of cover.
Yes. These can be covered as specified items on the Get Quote page.
The duty of disclosure under United Kingdom law is a duty to pass on to Underwriters all material information relating to the risk under consideration.
Contact us quoting your policy number and / or booking reference. Providing there are no claims paid, advised or outstanding, you will be entitled to a return of premium. This will be calculated on a pro-rata basis plus 25%.
Yes, if for example, you have not complied with any security requirements. In the event of there being no claims paid, advised or outstanding, the return of premium will be calculated on a pro rata basis.
No. The information you have provided to us will only be held by us and the insurers we use for the purpose of the policy(ies) of insurances you arrange through ourselves. We will NOT send any of your details to "carefully selected organisations" since we respect the fact it is really frustrating to receive unsolicited mail. We may use your details to contact you further should we have news of insurance products or changes to your policy, but this will be on the basis of "sharing information" not advertising or promotion. This information we reserve to publicise through MORIS.co.uk Blog on the home page of our website.
You have the right to ask for a copy of the information held by us in our records but we may ask you to pay a small fee. You also have the right to ask us to correct any inaccuracies in your information by writing to us. If you want to know more about our use of your personal information, this should also be done in writing to the address below.