Welcome to our Motorcycle Theft Risk Calculator, you can use it to provide an overall assessment of the theft risk of your motorbike. It is by no means a guarantee or exact science but can be used as an indication as to how likely it is that your motorbike could be stolen. We hope that it will help you to think about the security of your bike and reduce the chances of it being stolen, as nobody wants that, accept for the thieves!
There are a number of factors that give an indication to insurers of the likelihood of your bike being stolen. This calculator is not an exact representation of how your bike insurance is underwritten but some similar principles are used to highlight ways that you may be able to improve your bike security. Things such as your location can’t be helped but if you live in a high crime area, then you can do things like add physical security, use anchors, trackers etc to help to compensate for this.
You’ll find your risk increases if you live in a large urban area, cities such as London, Birmingham, Liverpool and Manchester for example.
Brand new motorcycles are often a much more attractive prize than a bike that is a few years old, so a newer bike will increase your theft risk. There’s clear correlation here between the value of your bike, the more it’s worth, the more thieves will want it!
Your history of previous thefts will always be considered when obtaining a motorbike insurance quote; that’s why it’s essential to make sure that you always use all the security you can. Your insurance is there to cover you in the event of a theft, however insurance is never guaranteed, if you’ve had a number of previous thefts you may eventually find that no underwriters want to cover you as you present a high probability of your bike being stolen again.
The use of your motorcycle is also an important factor, as the more you use it, the more it’s out and about potentially being seen by thieves or left in less secure locations with less security being used, the more chance there is of theft. This is especially the case when commuting, as not everyone has secure parking to leave their bike in when at work.
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