Ensure you’re insured during the lockdown

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Consider reducing your level of cover rather than cancelling

With many of us stuck at home on reduced incomes it may be tempting to reduce or even cancel bike insurance but insurers warn that could prove to be a false economy.

“Everyone has to make their own decisions about their finances at this time,” said Robert Balls from insurer Adrian Flux. “But if they can afford it, I’d recommend people retain some cover, preferably their usual level of cover. Although it’s true to say that the number of theft claims has reduced, unfortunately bike thieves have not taken a sabbatical or been furloughed during this crisis.

“You can usually take a policy against just fire and theft risks from a locked garage, which will suit some people. That does remove some immediate flexibility though if you decide that you want to get out on the bike as the opportunity arises.”

Provisional data from police shows a 34% fall in vehicle crime in the four weeks to April 12 (during the lockdown) as thieves find it more difficult to operate.

“The service across the UK currently has an overall absence rate of ten per cent, covering both officers and staff, and not simply relating to Covid-19,” said National Police Chiefs Council (NPCC) Chair Martin Hewitt.

“With reductions in crime, policing is in a strong, resilient position due to the brilliant commitment of officers and staff and the extra hours of our police volunteers. Our message to the public is ‘keep reporting crime to us – we are still here for you and our teams are working round clock to keep you safe’.”

But bike crime hasn’t disappeared entirely, police in Hertfordshire have seen a spate of 19 reported thefts across the county in just two weeks.

Inspector Nicola Dean from Hertfordshire Constabulary said: “Thieves have been targeting motorbikes and mopeds and we are asking owners to take precautions.

“It sounds simple but always lock your bike and set its alarm if it has one. Where possible, try to use a designated motorcycle parking place with a stand and security loop.

“If you have an off-road bike, you can ask the DVLA to register its details (frame and engine numbers) on their systems and police computers for free.”

For more information on securing your motorbike read our article on why bike theft is still a concern and how we can combat it here >

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