Thefts from cycle parks in apartment blocks.

General cycling advice ( NOT technical ! )
marmite
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Thefts from cycle parks in apartment blocks.

Postby marmite » 25 Sep 2020, 5:03pm

If a landlord advertises 'secure cycle parking' as a feature of the block, but has a notice announcing that 'cycles are parked at owner's risk', and the parking is broken into and the bike stolen, whose insurance is it on? Or should it be on? Discuss.

alexnharvey
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Re: Thefts from cycle parks in apartment blocks.

Postby alexnharvey » 25 Sep 2020, 5:28pm

You say the parking was broken into. This implies it was secured to a degree and that security was overcome by the thieves. That suggests to me that they provided secure parking as advertised.

If on the other hand the parking area was never secured, or if the security was broken and not fixed after being reported you might have some grievance with the landlord.

Unless the landlord at some point suggested they were also insuring the bikes then I wouldn't imagine you have any claim on their insurance.

mumbojumbo
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Re: Thefts from cycle parks in apartment blocks.

Postby mumbojumbo » 30 Sep 2020, 7:26am

All secure systems are imperfect otherwise there would be a restricted insurance market.All it means is the garden shed erected has a padlock,possibly sourced at Pound Shop.Did you have a bike stolen?

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gaz
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Re: Thefts from cycle parks in apartment blocks.

Postby gaz » 30 Sep 2020, 8:59am

To arrange insurance you have to have an insurable interest.

A landlord has an insurable interest in his own property, e.g. the door to the cycle parking, the lock on the door, the ground anchor or Sheffield stand that cycles are attached to.

A landlord has no insurable interest in your property, e.g. your lock, your bike.


Duty of care and negligence are different matters but if there's a door with a lock it would be hard to argue against it being 'secure'. The disclaimer notice would be your landlord's first line of defence.

Please note that gaz is not FCA regulated and cannot assess individual needs for insurance. You will not receive advice or recommendations from gaz about them. Hand wash only. Do not iron. Your cycle may be at risk if you leave it gold standard locked in the secure cycle parking area. Posted on a forum that contains track nuts and cannot be guaranteed track nut free.
Missing, presumed fed.

thirdcrank
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Re: Thefts from cycle parks in apartment blocks.

Postby thirdcrank » 30 Sep 2020, 9:47am

It think the position is that if you provide some sort of storage, be it a hatstand in a restaurant or a car park outside, then it's assumed that you will look after anything left there. That assumption must be reinforced if you advertise secure parking. This is the reason there are so many disclaimers on hatstands and car parks, though it seems odd to advertise secure storage then to disclaim the duty of care.

mumbojumbo
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Re: Thefts from cycle parks in apartment blocks.

Postby mumbojumbo » 30 Sep 2020, 3:15pm

Do they still have hat-stands at Simpsons (of the Strand)?Often a £30 splurge plus luuncheon vouchers could be financed by picking up aquality hat,in a rush for a taxi.

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simonineaston
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Re: Thefts from cycle parks in apartment blocks.

Postby simonineaston » 30 Sep 2020, 3:52pm

There's an undercroft beneath my apartment. It is gated, the entry operated by the same fobs we use for the front door. In the undercroft are several bikes stands - decent commercial Sheffield hoops. One day, some time ago, I returned to find several cut through and the bikes (none mine...) gone. The m.o. had been straightforward - tail-gate a resident, park the low-top transit van alongside the bike stands, deploy battery cutter, load bikes and go. Probably only there under ten minutes but requiring large cahones. From the description, you can imagine what sort of response would have occured, had anyone been ill-advised enough to challenge them...
The estate management responded efficiently enough - replacing the Sheffield hoops and installing cctv to cover the gates, but as to whether the owners of the lost bikes were able to claim, I do not know.
byyeee,
SiE

mumbojumbo
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Re: Thefts from cycle parks in apartment blocks.

Postby mumbojumbo » 30 Sep 2020, 3:55pm

They would certainly be able to make a claim.....

thirdcrank
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Re: Thefts from cycle parks in apartment blocks.

Postby thirdcrank » 30 Sep 2020, 4:00pm

I think the result of a claim would depend on whether they had discharged their duty of care. Fort Knox security isn't reasonable for a bike shed, but chocolate teapot locks might be inadequate.

mumbojumbo
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Re: Thefts from cycle parks in apartment blocks.

Postby mumbojumbo » 30 Sep 2020, 4:02pm

Can you lock chocolate teapots?

alexnharvey
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Re: Thefts from cycle parks in apartment blocks.

Postby alexnharvey » 1 Oct 2020, 7:04am

mumbojumbo wrote:They would certainly be able to make a claim.....


A claim on what?

Looks like the op hasn't logged in since posting the question since btw...q

mumbojumbo
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Re: Thefts from cycle parks in apartment blocks.

Postby mumbojumbo » 1 Oct 2020, 8:26am

theft of cycle>

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simonineaston
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Re: Thefts from cycle parks in apartment blocks.

Postby simonineaston » 1 Oct 2020, 8:47am

Looks like the op hasn't logged in since posting the question since btw...
They're like that, aren't they - in fact I think anyone with a suspiciously low post count ought to be banned from posting... let them prove they're worthy by - say - doing a LEJOG or two first! Remember those cards you used to get stamped, as a user of Youth Hostels - something like that.
byyeee,
SiE

alexnharvey
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Re: Thefts from cycle parks in apartment blocks.

Postby alexnharvey » 1 Oct 2020, 3:38pm

mumbojumbo wrote:theft of cycle>


That is what the claim is of. What policy are you suggesting they claim on?

PH
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Re: Thefts from cycle parks in apartment blocks.

Postby PH » 1 Oct 2020, 8:23pm

alexnharvey wrote:
mumbojumbo wrote:theft of cycle>


That is what the claim is of. What policy are you suggesting they claim on?

If the landlord has not fulfilled their responsibility within the contract (Which IMO you covered well in your first post) then they will be liable and the tenant's claim would be against them. Whether the landlord has insurance to cover that possibility is irrelevant to the claimant.