I have had it for over 20 years and it was polished to within an inch of its life. About a month ago I left it on my drive overnight as I had an early start the next day. The plan was to head south to catch a ferry and head off on a two-week jolly around Spain. And then my ZZR got nicked.

Now whilst I accept my holiday is a financial write-off, I didn’t expect my insurer to shaft me. I’ve been with the same insurer for 10 years and spent thousands with them. However, they are refusing to pay out for my bike being nicked.

They reckon they can rely on the ‘small print’ that says if I do not keep it in a garage overnight, they don’t have to pay out. I think I may have told them I kept it in a garage overnight, but I can’t remember.

Some friends online have said I should sue them or contact the Financial Ombudsman Service and make them pay. Do you reckon I will win?


You need to check the insurance policy itself to see if they can refuse to pay out. If there is nothing in the policy about it being garaged, you need to raise a formal complaint with your insurer.

If that does not get a result then make a complaint to the Financial Ombudsman Service. If that does not work, then you can get legal advice with a view to starting legal action. However, if the policy says the bike must be garaged overnight at your home address and it wasn’t, then they will be well within their rights not to pay out.

Whilst I appreciate it’s a bitter pill to swallow, the insurance premium would have been set in line with the risk they have to the insurer. So the bigger the risk, the higher premium cost. Therefore, if you have not complied with the terms of the policy they can refuse to pay-out.

Andrew ‘Chef’ Prendergast

Motorcycle Monthly July 2019