Do you leave key in ignition? - BMW Luxury Touring Community
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post #1 of 11 Old Mar 6th, 2015, 10:08 am Thread Starter
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Question Do you leave key in ignition?

OK..... Except for you "Exclusive Elitists"...

Me: I remove the key.

My wife's aunt is our Insurance Agent (home, cars, life). When we got the bike, out of the blue she says "Make sure you take the key out when you're done riding. Even in the garage, insurance companies get funny about that, and may claim you didn't show proper diligence."

I keep the key in a clever hidden spot near the bike. She volunteered the information, even though she doesn't insure the bike - she couldn't touch GEICO's rate.

I saw another thread where a bike was stolen, and insurance co. refused to cover loss, because key was in ignition - in a locked garage!

Brian
CCR: 2008, Midway; 2011, Boise; 2012, Duluth; 2014, Chattanooga. MOA: Billings, 2015; SLC, 2017
CCR-R: 2018, Russellville
'13 K1600 GTL-P - "Eva"
Sold but "beloved" ride: K12 LT - "Pepe"
IBA #31242 (SSx2, BB, BBG)
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post #2 of 11 Old Mar 6th, 2015, 10:17 am
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Re: Do you leave key in ignition?

Yeah, I take mine all the time.
If I'm at the gas station and go inside, yes, I take the key.
Unless I am right there beside or with the bike, I take the key.
dc
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2008 R1200 RT
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post #3 of 11 Old Mar 6th, 2015, 10:45 am
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Re: Do you leave key in ignition?

Like David13, I take the key out anytime I leave the bike.
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Roy Gregersen

Ride Slow, Ride Fast, Always Ride Safe
85 K100RT sold
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post #4 of 11 Old Mar 6th, 2015, 10:46 am
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Re: Do you leave key in ignition?

Back in 2008 I had my FJR1300 parked in my locked garage, key in the ignition. I went to the garage on a warm July morning to find the overhead door open, the backed door jimmied, my 1968 R50/2 on its side and the FJR conspicuously absent. To top it off.....no theft insurance.
Well it seems that the perps had pushed the FJR to the street (about 100 feet), started it, dropped it 100 yards down the road (too much for the morons to handle I guess) leaving behind a few pieces of plastic, and disappeared. This all apparently occurred while I slept in my 2nd floor bedroom.
The bright side is that three months later, in October, a fisherman walking to a pond about 2 miles from my house noticed a shiny object off in the woods. Turned out to be an FJR mirror.........connected to an FJR! After the police notification I arrived with my spare key, righted the beast, checked the oil level, fired it up, and rode it home. They had done some minor fairing damage, and stolen both saddlebags and the tank bag but all else was well! I sold it a short time later and the friend I sold it too is still riding it. I now remove the keys, lock the steering and set the alarm on my 14 R1200RT when ever I leave it behind.

Moral....... take the key!
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post #5 of 11 Old Mar 6th, 2015, 11:20 am
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Re: Do you leave key in ignition?

Realistically if someone wants to steal a motorcycle is makes no difference whether the keys are in it or not. They will get it. Ask a lot of Harley and crotch rocket drivers about that.

In the event that an insurer refuses a claim based on key being in the ignition in your own home, contact your attorney immediately. Unless there is a specific exclusion in the contract refusal of a claim like that is unavailable to the company, and most states have nice penalties for damages and attorney fees for refusing to pay a valid insurance claim in a timely manner.

The nice thing about the BMW's is that they dont get stolen that often. Park next to Harleys and crotch rockets and you are pretty much immune
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post #6 of 11 Old Mar 6th, 2015, 4:03 pm
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Re: Do you leave key in ignition?

All 3 of my bikes have the keys in them here at home. I leave the key in the bike while in stores or restaurants if I can see the bike. Like what was already said if someone wants your bike they will take it with or with the key. I figure there might be less damage done to the bike if they do not have to brake out the ignition.

Over the last 6 years I've picked up over a hundred stoled bikes that have been recovered by the owner/police. Everyone had massive damage to the ignition switch & the wiring around the switch costing hundreds more to getting the bike repaired. On most this was the only damage to the bike.

Stevie Shreeve
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post #7 of 11 Old Mar 6th, 2015, 6:27 pm
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Re: Do you leave key in ignition?

Interesting thread. I've always left the key in the ignition when the bike is in the garage. Never even considered an Insurance Co would contest a claim. I guess I'll be hanging the key inside from now on, thanks for the info!

Ride Safe,

Bob
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post #8 of 11 Old Mar 7th, 2015, 12:39 pm
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Re: Do you leave key in ignition?

Quote:
Originally Posted by Firenailer View Post
Interesting thread. I've always left the key in the ignition when the bike is in the garage. Never even considered an Insurance Co would contest a claim. I guess I'll be hanging the key inside from now on, thanks for the info!
I'm not because I read post #5 . Try it.

Kent Christensen
Albuquerque
'12 R1200RT, '02 R1100S, '84 R80G/S
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post #9 of 11 Old Mar 7th, 2015, 2:17 pm
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Re: Do you leave key in ignition?

By the time they broke into my garage & figure out how to cut the locks to raise the door the police would be there. The city I live in has a fast response time & the police station is nearby.
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post #10 of 11 Old Mar 7th, 2015, 6:37 pm
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Re: Do you leave key in ignition?

not in my 2000 k 1200 lt was told that if you leavekey in in any position other than all the way to left the farkle gods may suck the life out of the battery ,don't really know if this is fact or fiction ,but im not taking any chances ride safe and often, slate
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post #11 of 11 Old Mar 9th, 2015, 12:33 pm
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Re: Do you leave key in ignition?

Do people steal K1200LT's? Out here in SC they only steal crotch rockets..

Current rides:
2003 BMW 1200 LT (bought in 2006)

Past rides:
97 Kawasaki ZX11(bought new in 1997, sadly sold in September 2014)
89 Honda Hurricane (sold)
88 Honda Hurricane (traded on an SUV)
86 Kawasaki 1000R (stolen but recovered)
84 Honda 750F (traded on 1000R)
81 Suzuki GSX1100 (sold)
78 Suzuki GS750 (traded on GSX1100)
74 Yamaha RD50 (sold)
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