Mandatory Motorcycle Theft Alarms | GTAMotorcycle.com

Mandatory Motorcycle Theft Alarms

-Maverick-

-Maverick-

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Anyone been with TD Primum? The savings are quite impressive, but they require a theft / disabler alarm to be "professionally installed" and require proof. Anyone run into problems with this? What alarm systems do they accept and why can't you install yourself? What does the "proof" entail?
 
If you contact your agent they can give you a list of approved alarms. Only some of them require professional installation. Proof is generally the invoice for the install from a shop.
 
Since when is it required?

When I signed up with TDMM, they asked me if I had an alarm or not, I said no, and they still gave me coverage...
 
Weird. I called td the other day for a quote because intact sucks ballz. I was asked if my duc and ninja had alarms and I told them the duc had a stock immobilizer. They didnt say anything and offered me full coverage at half the cost of intact and state farm.
 
I'm with TDMM also - every bike I've ever owned with their coverage has always required an alarm to be eligible for full coverage.
Both my RC's required aftermarket alarms....wheels my 749 required nothing because of the factory system.
 
No alarm on my bike and TD Primmum gives me full coverage. My bike is kept in a locked garage at my house. Perhaps that makes a difference?
 
I wasn't required to send proof. I was asked if I had an alarm on the bike. I said yes and the brand. She told me that was good enough. Full coverage.
 
I'm with Primmum, just switched in April and they never asked about an alarm before issuing me coverage.
But my bike is parked in a garage.
 
I'm also with TD Primium (was with Monex) . Thay did ask if I had an alarm but it wasnt mandatory . I dont have an alarm and I have full coverage.
Not sure if it's because its also garage kept. Or they base it on the type of bike(SS) - value of bike.
 
A garage doesn't mean anything. If you have a certain type of bike (mostly SS) then in order to get full coverage you have to have an alarm. If your bike isn't on their list that requires an alarm for full coverage then it doesn't matter if you have one or not.

You do not need to have it professionally installed and all you have to do is state that you have an alarm, you could install it yourself and then just tell them that you have one. You do not need to take pictures of the alarm or send in an invoice. If you state you have an alarm and then your bike is stolen and they find out there wasn't an alarm then you are no longer covered as you lied and they wont pay you anything.

The major item to make sure of is that it is an alarm that they are ok with, to confirm this all you have to do is ask them what alarms they recognize for the policy.
 
I was asked if I had an alarm, but they didn't ask anything about installation, type,...
 
I got insurance with TDMM and it was just over 1k. I have a ducati. I didn't have an alarm at the time besides the stock immobilizer.

I got the disc lock alarm and to get the "alarm" discount it needs the following 2 of 5 requirements.

Disables the motorcycle.
Has a sounding alarm.
Has a back up battery for alarm.
Has GPS.... i think...
Alarm is visible... i think...


Any ways. I don't remember the details, but I called them up to let them know i had the alarm and it got me an amazing discount of $8 for the year...... *sigh*
 
I'm positive you don't have full coverage without an alarm. In another thread there were questions about this also.

http://www.gtamotorcycle.com/vbforum/showthread.php?170569-TD-Meloche-Monnex-Which-Alarm

I recently switched to TDMM (don't know if there's a difference for TD Primum). They asked if I had an alarm system which meets their requirements. I did not at the time so they could not provide me comprehensive. They covered the bike for collision or upset only.

A few weeks later I bought and installed an alarm that met their requirements. I called in, they asked for the make and model of the alarm and then increased my monthly charge $10/mth for comprehensive.

See attached image for my before and after coverage.

image.jpg

Here's the list of approved alarms.

1) Armed Guard
2) Auto Watch
3) Gorilla
4) Merlin
5) Sherlock
6) Scorpio
7) Viper
8. Phantom Max
9) Yamaha Cycle Lock
10) BMW
11) Global Tech GPS

Of those alarms they MUST HAVE 3 of the following 5 to qualify

1) Audible Alarm
2) Backup Battery
3) GPS Tracking
4) Immobilizer
5) Motion Detection

Once it's installed, give them a call to update your insurance with that information and that's it. I didn't have to fax in anything.

All the best.
 
Last edited:
lostinspace said:
I'm positive you don't have full coverage without an alarm. In another thread there were questions about this also.

http://www.gtamotorcycle.com/vbforum/showthread.php?170569-TD-Meloche-Monnex-Which-Alarm

I recently switched to TDMM (don't know if there's a difference for TD Primum). They asked if I had an alarm system which meets their requirements. I did not at the time so they could not provide me comprehensive. They covered the bike for collision or upset only.

A few weeks later I bought and installed an alarm that met their requirements. I called in, they asked for the make and model of the alarm and then increased my monthly charge $10/mth for comprehensive.

See attached image for my before and after coverage.

View attachment 32345

Here's the list of approved alarms.

1) Armed Guard
2) Auto Watch
3) Gorilla
4) Merlin
5) Sherlock
6) Scorpio
7) Viper
8. Phantom Max
9) Yamaha Cycle Lock
10) BMW
11) Global Tech GPS

Of those alarms they MUST HAVE 3 of the following 5 to qualify

1) Audible Alarm
2) Backup Battery
3) GPS Tracking
4) Immobilizer
5) Motion Detection

Once it's installed, give them a call to update your insurance with that information and that's it. I didn't have to fax in anything.

All the best.
Click to expand...

Those 5 sound right.

As for the disc alarm it qualified since it has the Audible Alarm, Disc Lock is an Immobilizer and Motion Detection. My alarm is a Xena, and I don't think it has to be on the list. I'll check my papers when I get a chance.
 
I called TD for a quote in Oct 2012 and got into the discussion with them about the alarms.
My new-to me R6 didn't have one but I did install a Gorilla one on my SV back in 2011 (it's super easy if you can read plain english instructions).
The agent said that even though a lot of these are designed to be installed by the end customer, they want it to be installed at a shop because they are less likely to install it improperly.

As far as proof (for when they want to see it), a receipt that says something along "Alarm install" and shop rate are needed. They don't always ask for proof though.

I then asked what if there was an aftermarket installed before I even purchased the bike (could of been installed by previous owner). They said they would have to assume proper installation since they won't make you contact previous owner for install receipt.


Essentially if you just bought a used bike and can get an AWESOME rate with TD that you just can't pass up, just tell them there was a Gorilla alarm already installed when you bought the bike and then go to your closest motorcycle shop and pick one up and install it yourself that same day.

Or just tell them you don't have one and then whenever you do have one installed (by a shop), you can call them back and get fire/theft added to your policy.



Post #5 is living dangerously with a Duc and no fire/theft. Must be living in a pretty chill area.
 
Correct EXCEPT that all the alarms listed are approved. If your alarm is NOT listed, it requires three of the five features listed below.

lostinspace said:
Here's the list of approved alarms.

1) Armed Guard
2) Auto Watch
3) Gorilla
4) Merlin
5) Sherlock
6) Scorpio
7) Viper
8. Phantom Max
9) Yamaha Cycle Lock
10) BMW
11) Global Tech GPS

Of those alarms they MUST HAVE 3 of the following 5 to qualify

1) Audible Alarm
2) Backup Battery
3) GPS Tracking
4) Immobilizer
5) Motion Detection
Click to expand...
 
coyo said:
Correct EXCEPT that all the alarms listed are approved. If your alarm is NOT listed, it requires three of the five features listed below.
Click to expand...

That makes sense. Thanks for the info.

Cost reduction was very minimal. Like I said, $8 or so per year. Might be because I'm part of an association that already has decent rates.
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