One of the major risks of motorcycles is theft, causing the increase of motorbike insurance all the time. A good preventative measure is to fit your vehicle with security in order to reduce your insurance cost and to deter thieves from trying to steal your pride and joy.
Security devices generally come in different categories ranging from 1 to 5 (1 being the best and most expensive). Below is a list of the category description:
Cat 1: Electronic alarm and immobiliser combined system
Cat 2: Electronic immobiliser (Upgradeable to Cat.1 with an alarm system)
Cat 3: Mechanical device such as a lock or chain
Cat 4: Wheel locking devices
Cat 5: After-theft systems, such as trackers or datatagging.
Each product is reviewed every 12 months, so the category may depend on the age of the system fitted to your vehicle. Although an alarm and immobiliser may start life as a Cat.1 system, after 12 months it may not be considered to be at this level.
The most effective type of security is locks, chains and especially disk locks. Cat. 3/4 devices or physical devices cause the most problems to thieves as they make the bike immobile when anchored. Rather than an electronic system that is reliant on power, mechanical devices can also be the cheapest to buy, although they are perhaps the most effective.
Many insurers do not offer huge discounts when considering security on a motorbike insurance policy, especially when you compare the cost of the security system to the amount of discount on the insurance. Although, many insurers may make the security a condition of the policy, they will not provide a price without a certain category security system fitted to the vehicle; this can be in relation to the value of the vehicle.
An average Cat. 1 alarm and immobiliser system could set you back as much as 350.00 pounds including fitting. These types of systems can include functions such as an alert to your mobile phone if your bike thinks it is being stolen, or a proximity sensor when someone might get too close to your vehicle. Quite often, an alarm and immobiliser such as this may be included and fitted when purchasing a new vehicle.
Many major manufacturers fit a standard immobiliser to their newer models, manufacturers such as Honda, Kawasaki or Yamaha fit newer vehicles with an ignition security system. Manufacturers such as Peugeot fit many of their newer scooters with mechanical security known as a Boa Lock, which can be pulled out from the rear of the vehicle and secured to an anchor point; all in an effort to reduce the cost of your motorbike insurance, as scooters are the most common type of vehicle to be stolen.
The most effective type of security that will always bring cheaper motorbike insurance quotes is a secure brick built garage. Most insurers can give such a large discount for this that the insurer may add an endorsement to your policy, to state that the vehicle must always be kept in your garage whilst at the home address.
Cat. 5 devices (After-theft products) include devices such as trackers, or tagging systems such as alpha dot or datatagging. These devices are designed to recover the vehicle after a theft has taken place. Although tagging systems normally cost between 30 pounds and 60, pounds tracking systems can be very expensive, in addition to the initial cost of the system you will also have a monthly subscription cost to keep the service running.
Motorcycle security is always a good idea; everything helps against the theft of your vehicle. Insurers will always help by reducing the cost of your insurance in accordance with the type of security fitted and where the vehicle is kept at the home address.
By.Anna Stenning
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