Barry had his little ninja stolen from carport after he moved house (before was in garage with door). They charged him an extra $250 as not in Garage. When he asked what would have happened had it been stolen from shopping centre he was told same thing additional $250 excess. That was with Swan Insurance. We put him into QBE and on his new bike compared to Swan, he saved $300 per year and got $4K worth of accessories cover.