Where you keep your motorbike overnight will affect your insurance premiums, so find out more about storage and where to park your bike after dark.
Choosing secure overnight parking for your bike can prevent theft and reduce the cost of your motorbike insurance.
Motorbikes are attractive, easy targets to thieves due to their size and weight and, unlike cars, they don’t need to be broken into to be stolen - they can be lifted and loaded onto a van.
When you get motorbike insurance quotes, you have to tell the insurer where the bike’s kept overnight, and usually that’s at home, on a driveway, on the street or in a car park.
Yes - where you keep your bike overnight will affect your motorbike insurance premiums.
The insurer will calculate risk based on the level of security and price your quote accordingly.
If the bike is parked in a locked garage or shed you reduce the risk of theft so your quotes will be cheaper.
Don’t be tempted to lie about where you keep your bike to get cheaper insurance - if your bike is stolen while parked on the street when it should have been in the garage, your insurer will refuse to pay your claim.
If you store your bike inside, it won’t just deter thieves. You're improving the bike's safety and longevity because it's protected from harsh weather conditions like rain, frost and heat.
|The garage can be locked||It’s not as convenient as being parked on the road|
|The motorbike is out of sight of thieves||If it’s not locked to something, the motorbike is still at risk of theft|
|You avoid damage from pedestrians and other drivers||A garage cloaks determined thieves trying steal your bike unnoticed|
|The bike is protected from harsh weather||You’re not usually covered if your bike is stolen while parked near the garage but not in it|
|Your motorbike insurance will be cheaper|
|You can fit ground or wall anchors for extra security|
Insurers look favourably on motorbikes being kept in a garage and it's reflected by cheaper premiums.
Premiums are only cheaper if your garage locks. If it doesn't, it might keep your bike away from thieves' prying eyes, but it'll do little to keep it more secure and an unlocked garage gives thieves the chance to work unobserved.
Another advantage of garage storage is that you can add extra physical security like ground anchors and sturdy chains.
|It’s off the street and less likely to be damaged by other vehicles||It’s in full view of thieves|
|Convenient for you to ride away||It can’t be locked away|
|You need additional weather protection|
If your bike must be kept out in the open, use a waterproof cover to protect it from the elements and hide it from thieves.
There are pop up shelters for motorbikes too. An inconspicuous black tent is less likely to catch the eye of thieves.
Many insurers will give a discount on premiums if you keep your bike on a driveway at your home, or just park it off the road on your property.
|It’s off the street and less likely to be damaged||If it’s a public car park, non-resident drivers and pedestrians could damage your bike|
|A private or residents car park could be protected by a fob key or gate||You don’t know who has access to your bike when you’re not there|
|There could be CCTV|
If you’re leaving your motorbike in a communal car park, look for CCTV and park in view of the cameras.
If you tell your insurer that the bike is kept in the garage overnight, you have to actually park it there to avoid invalidating your cover.
If it’s stolen or damaged overnight and it was parked on the street as a one-off, your insurer won’t honour your claim.
If you do keep your bike in the garage, read your policy documents carefully and take note of garaging clauses - these define how you need to use your garage and whether claims will be refused if you don’t in some circumstances.
Last checked 24 August 2022