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Storing bike in the house

  • 08-07-2024 1:35pm
    #1
    Registered Users, Registered Users 2 Posts: 724 ✭✭✭


    I'm thinking of storing my bike in a utility room in my house. It would be a dedicated bike storage/workshop space. Has anyone ever come across this being a problem with motorcycle insurers, I wonder?

    (I'm aware of the implications re home insurance:. I've checked my policy and there's nothing there against it.)



Comments

  • Registered Users, Registered Users 2 Posts: 14,330 ✭✭✭✭Cienciano


    Lol, can't imagine it being a problem insurance wise. Probably awkward to bring in and out though



  • Registered Users, Registered Users 2 Posts: 724 ✭✭✭Breezin


    Npt really awkward — I have good access. I can't imagine why an insurer would object, but knowing insurers…



  • Registered Users, Registered Users 2 Posts: 2,964 ✭✭✭D3V!L


    The bike insurance may not object but your house insurance certainly will. The bike would be a fire hazard.



  • Registered Users, Registered Users 2 Posts: 1,769 ✭✭✭muddle84


    Its no different to a garage in the house though?

    Regardless, i Wouldn't go storing it in the house without talking to the house insurance first to make sure there's no issue.



  • Registered Users, Registered Users 2 Posts: 2,964 ✭✭✭D3V!L


    You'd be surprised at what the house instance will pull out of their arses to avoid a payout.

    I know from experience, a lady I dated for a while with an old Fire blade was told she couldn't bring her bike in. It sat outside the front window instead.



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  • Registered Users, Registered Users 2 Posts: 724 ✭✭✭Breezin


    Ah yes, but my bike doesn't have 'Fire' in its name! 😛



  • Registered Users, Registered Users 2 Posts: 9,625 ✭✭✭CoBo55


    An attached garage is completely different to a utility room in regards to fire requirements etc.



  • Registered Users, Registered Users 2 Posts: 765 ✭✭✭Sir Galahad




  • Registered Users, Registered Users 2 Posts: 2,899 ✭✭✭Citizen  Six


    What's more likely to go on fire, a motorbike, or a dishwasher?



  • Registered Users, Registered Users 2 Posts: 9,625 ✭✭✭CoBo55


    Neither of them are nice but a bike fire is a lot lot worse than any appliance fire, petrol, oil and battery acid running everywhere, I've seen two bike fires and believe me it isn't nice to watch or try to contain I've never experienced an appliance fire luckily enough.



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  • Registered Users, Registered Users 2 Posts: 23,093 ✭✭✭✭Esel
    Not Your Ornery Onager


    Realistically, what are the chances of a bike spontaneously combusting? Probably close to zero.

    The problem would arise if the room in which the bike was stored went on fire and the flames then set the bike on fire. That would almost certainly be an issue in the event of a home insurance claim.

    The same sequence happening in a garage might be much less of an issue.

    Not your ornery onager



  • Registered Users, Registered Users 2 Posts: 724 ✭✭✭Breezin


    I mentioned in the original post that I'm aware of the issues involved in keeping a bike in one's residence.

    Can anyone cite a specific line from a home insurance policy that explicitly excludes storing a motorcycle in a room in the house, or in a garage that isn't separate from the living area?



  • Registered Users, Registered Users 2 Posts: 4,715 ✭✭✭blackbox


    A garage has a fire resistant wall between it and the house. Higher specification than internal walls.



  • Registered Users, Registered Users 2 Posts: 724 ✭✭✭Breezin


    Some garages, perhaps…

    I've seen a lot of garages with standard internal doors connecting to the house living space.

    My question on policy terms stands.



  • Registered Users, Registered Users 2 Posts: 1,769 ✭✭✭muddle84


    It doesn't matter what anyone here says or cites to you. Talk to your own insurer, they're the only ones that apply to you!



  • Registered Users, Registered Users 2 Posts: 1,769 ✭✭✭muddle84


    I did not know this. Can you elaborate please? Any garage i've ever been in thats part of the house in Ireland just has a normal door between it and the rest of the house. In fact, the last one I was in had exposed rafters without even insulation between it and the upstairs floor.



  • Registered Users, Registered Users 2 Posts: 7,754 ✭✭✭Bluefoam


    I bought an expensive bicycle and tried to add it to the house insurance, but they declined to add it. Then they told me that in the case of a robbery that the house would be deemed as uninsured as the bike would be seen as an attraction to potential thieves... Needless to say, that policy was terminated immediately



  • Registered Users, Registered Users 2 Posts: 765 ✭✭✭Sir Galahad


    The answer is "your insurance company will pay out for the dishwasher fire". If DFB mention a motorcycle being stored in the kitchen you are in for a long fight. I did 38 years in insurance industry.

    Edit . . . And many years ago I got a call from DFB asking me to go to my sisters house in Sutton. Her Miele dishwasher had set fire to the kitchen. £36,000 damage done. Smoke and water damage mainly.



  • Registered Users, Registered Users 2 Posts: 14,012 ✭✭✭✭Cuddlesworth


    The bike will be venting petrol into the room through the hot cold cycle of day/night right? At worst, make sure you have really good ventilation.



  • Moderators, Education Moderators, Sports Moderators Posts: 10,974 Mod ✭✭✭✭artanevilla


    Both spontaneously in the kitchen not running? A motorbike.

    Dishwasher running every couple of days v a motorbike in kitchen not running? Borderline dishwasher.

    Both running every couple of days in a kitchen? A motorbike.



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  • Registered Users, Registered Users 2 Posts: 1,998 ✭✭✭extra-ordinary_




  • Registered Users, Registered Users 2 Posts: 724 ✭✭✭Breezin


    It's an old, old house. The ventilation is too good!



  • Registered Users, Registered Users 2 Posts: 724 ✭✭✭Breezin


    So, lots of common sense observations that I can't really disagree with. Intuitively, an insurer is not going to like a motorbike being stored within the living area of a house, even if it's a utility room. People here who've worked in insurance advise against, as do other people I know with experience in the industry.

    However, not a single instance of such an exclusion applying to an actual policy. I've checked two policy proposals for my annual renewal: there is no mention in the exclusions or anywhere else of a fire hazard from a motorcycle (or from any other motor vehicle.)

    This leads to me wonder how real a risk this is statistically. If it were significant, surely it would be there in the policy documents.



  • Registered Users, Registered Users 2 Posts: 6,123 ✭✭✭Trigger Happy


    I just checked my own policy and it says nothing about, for example, storing a few pounds of TNT in my living room. But that does not mean I am covered.

    An insurance company will argue that storing a motorcycle inside a house is a willfully wreckless act that negates their policy.

    Even if they say you are covered -Would the fire brigade be willing to enter a house on fire if there is a tank with petrol in there?

    Would the insurance company be willing to pay for any damage caused by the petrol exploding or the excess damage caused by the fire brigade refusing to enter?

    Call your insurance company and ask them…its the only way you will be convinced.



  • Registered Users, Registered Users 2 Posts: 724 ✭✭✭Breezin


    TNT? 😅



  • Registered Users, Registered Users 2 Posts: 12,134 ✭✭✭✭GBX


    I wonder nowadays how policies will be viewed if you have a garage and keep an electrical bike/car in it without declaring it properly. Whole new ball game..



  • Registered Users, Registered Users 2 Posts: 36,562 ✭✭✭✭Hotblack Desiato


    We switched house insurer a few years back and when we got the policy I noticed they'd put in a condition that every time we were leaving the house we'd have to go around and lock every poxy little window lock on every window. F that. Policy cancelled and refunded. Never saw such a condition before or since. I just say we have no window locks now to avoid any of that crap - the locks are useless anyway.

    @Sir Galahad Most of that £36k was probably just replacing the Miele 😛

    In Cavan there was a great fire / Judge McCarthy was sent to inquire / It would be a shame / If the nuns were to blame / So it had to be caused by a wire.



  • Registered Users, Registered Users 2 Posts: 36,562 ✭✭✭✭Hotblack Desiato


    Petrol / diesel cars are FAR more likely to go on fire than an electric. Crappy bargain basement Chinese e-scooter batteries, though…

    In Cavan there was a great fire / Judge McCarthy was sent to inquire / It would be a shame / If the nuns were to blame / So it had to be caused by a wire.



  • Registered Users, Registered Users 2 Posts: 23,093 ✭✭✭✭Esel
    Not Your Ornery Onager


    Not your ornery onager



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  • Registered Users, Registered Users 2 Posts: 7,014 ✭✭✭Allinall


    not sure how a diesel car would be more likely to go on fire than an electric one?

    Petrol definitely.



  • Registered Users, Registered Users 2 Posts: 36,562 ✭✭✭✭Hotblack Desiato


    Turbo fires, EGR fires… there are diesel BMWs going on fire on a regular basis all across Europe at the moment due to an EGR fault. Electric cars very rarely go on fire but the tabloids are all over it when it does happen.

    In Cavan there was a great fire / Judge McCarthy was sent to inquire / It would be a shame / If the nuns were to blame / So it had to be caused by a wire.



  • Registered Users, Registered Users 2 Posts: 23,093 ✭✭✭✭Esel
    Not Your Ornery Onager


    Not your ornery onager



  • Registered Users, Registered Users 2 Posts: 1,892 ✭✭✭geotrig


    what if it was a converted garage !! 🤔



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