Its ok when you're out, just a clause to say you can't leave it "on show" to potential thieves outside your home (even though they'll follow you home, wait and steal it anyway) GPS tracker a necessity or no insurance, Datatag, ground anchor and chain preferred. You guys get it better than us I guess...
Jesus looks like your both getting the short straw! Here got great deals for comprehensive cover no conditions at all like you talk about. Of course have earned what they call no claim discount for years but couldn't be happier considering the bikes value.....Either way a necessary evil
Oh yeh.... a bit of small talk happening here I might chime in ha