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Step up your insurance provision this spring

Step up your insurance provision this spring

Category: Insurance

Updated: 14/04/2015
First Published: 10/04/2015

This article was correct at the time of publication. It is now over 6 months old so the content may be out of date.

The evenings are getting lighter, the temperature is starting to rise and the flowers are blooming – spring is definitely in the air! But, before you get carried away with all the joys of the new season, have you considered your insurance provision?

Get on the road

Take motorbike insurance, for instance. Figures from Ageas show that thefts of motorcycles between the months of April and September typically increase by some 20% compared with the winter months; as biking season gets underway, thieves get on the lookout for an opportunity to walk away with a shiny new prize.

It could become a growing issue, too, particularly with the Motorcycle Industry Association (MCIA) revealing that new motorcycle registrations rose 11.5% in the last year. Motorbikes are far more likely to be stolen than cars, too, so it's vital for all motorbike users – old and new – to take the necessary security measures to ensure that they don't fall prey to thieves.

"The spring and summer months see more motorcycles on the road, providing more opportunities for organised and opportunistic motorcycle thieves," said Robin Broughton of Ageas. "It's dangerous to assume that these crimes are conducted under the cover of darkness. Far from it: more visibility gives rise to more thefts, and it's vital the motorcycling community are aware of the steps they can take to both reduce the risk of theft and increase the likelihood of the bike being recovered intact if it is stolen."

These include registering your bike with the appropriate security schemes and marking it accordingly, investing in suitable security (such as bike locks and immobilisers) so it can be safely locked up, keeping it properly stored when it's off the road, and investing in specialist motorbike insurance so you're completely covered.

The great outdoors

And what about your garden? Figures from M&S Bank show that the contents of a garden shed can tot up to an average of £573, while the average garden contains around £419 worth of plants, trees and shrubs. Despite this, 24% of survey respondents admit to leaving their garden shed unlocked, while two-thirds don't know if their garden greenery is covered by their home insurance. Furthermore, 46% said that the items in their shed either weren't covered, or they weren't sure.

This could be a big mistake. The figures went on to reveal that 27% of shed owners said that either they or someone they know has fallen victim to theft or damage of the items stored in it, and 14% said the same about their garden greenery, and these types of thefts could cost a lot to replace.

"The value of items in the garden, whether it's in the shed or the garden itself, is often more than people realise and can very quickly mount up," said Paul Stokes, head of products at M&S Bank. "At this time of year, we would urge householders to check whether their home insurance provides adequate cover for theft or damage to both the shed and garden. It's also an ideal time to review what measures they may need to secure the garden to ensure they're covered, should the worst happen."

So, are you covered? It's time to check! Whether you're getting on the road or spending time in the garden, you wouldn't want all that time and effort to go to waste, so dig out your various insurance policies so you can be confident you're covered this spring.

What next?

Compare motorbike insurance quotes

Find a home insurance policy that will have you covered

Disclaimer: Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time.