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Did they damage your motorcycle? You can lose a lot, even if you have insurance

Recently, the phenomenon of stealing expensive parts from motorcycles has become widespread. In some cases the police catch the thieves, but often do not. Because of a particular clause in the policy, even if you are insured you may have eaten it

• Motorcycles

Walla! Business

"Monday last week, Ramat Gan, two and a half o'clock at night. A. A resident of the city, the owner of a Kawasaki 1000 motorcycle, answers a blocked call." Hello, talk to the Israel Police. We have three guys here claiming that you sold them your flashlight. "The stunned owner of the motorcycle denies everything, and within seconds, after descending to the location of the motorcycle parking, he discovers that not only was the flashlight stolen, but they tore it by force while causing extensive damage to the vehicle. With great luck, in a joint effort of the "latest outcry" company and the Israel Police, the thieves were caught.The luck that played alongside him did not shine for dozens, maybe even hundreds of motorcycle owners, who came to discover over the past six months that they had stolen valuable parts.

"There will be no doubt, indeed, over the last few months there has been a very sharp increase in the number of thefts of motorcycle parts, especially of headlights," says insurance agent Yuval Bar, who holds an official position in the Insurance Agents Bureau. "This is a very painful blow. The theft does not usually activate the detection systems. The damage to the pocket is very high: their cost easily crosses the NIS 8,000 threshold.

There was no insurance, so the thieves would have been able to carry out their plot, the blow to the pocket was very painful. Metro, the cost of the flashlight alone, without the plastic and the work on its train, crosses the NIS 10,500 threshold. With the rest of the components - it already reaches NIS 13,000. But even motorcycle owners who are insured with comprehensive insurance have no good reason to sleep quietly. The wording of the policy states as follows: "Regarding motorcycle insurance only: loss or damage to parts or accessories of a motorcycle that will be caused by theft or burglary unless the entire motorcycle is stolen." This means that an incident of theft of parts, no matter if their cost is very high - will not be covered unless the insured claimed that the damage occurred as part of an attempted theft of the motorcycle. In such a situation, should the insurance company have the suspicion that the incident did not occur as alleged, it is incumbent upon it to prove that there was no attempted theft.

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In the case of A., the police deserve all the respect and praise for the focused and effective activity, but what will happen to the thieves? Are they subject to severe punishment? Adv. Assaf Warsaw, one of Israel's top lawyers in the field of torts and insurance and co-chair of the Bureau's Torts Forum, explains that according to the State Comptroller's report, referring to the 2015-2017 data, the police file indictments in only 6.5% of complaints. For property offenses, and most complaints are closed within less than a week on the grounds of an unknown offender. In this case, the offender was also found out. Will he be severely punished for not stealing again? According to Warsaw, "there is no doubt that in the level of seriousness of the offenses, property thefts are perceived as less, but their high frequency directly affects the sense of public safety."

Indeed, according to a survey, every second citizen in Israel expresses distrust in the police Among the Jewish society in the State of Israel, they indicated a lack of trust in the organization that is supposed to maintain their personal security and public order, and even more alarming data were found among the Arab population, where 59% of respondents indicated their lack of trust in the police. There is no orderly study that specifically examines the issue.The

problem is that unlike the automotive sector, where insurance companies have a clear economic interest in running a pressure roller on decision makers, when it comes to two-wheelers the riders are left almost alone in its struggle.Most riders in Israel did not purchase comprehensive insurance Due to the high costs, this creates a situation in which the weak are abandoned. If you think about it in depth, you come to the conclusion that except for the riders, all members of the chain have an interest in closing their eyes to the dimensions of the phenomenon. Everyone earns a living. The

Israel Police says: This year for law enforcement and reduction of p Shiite property and vehicle theft all over the country, invests many efforts and resources and frequently carries out increased enforcement activity both on the overt and covert level against gangs and criminals engaged in vehicle theft. The activity of the police in the last five years has led to a 49 percent decrease in thefts of two-wheeled vehicles. The Israel Police will continue to work constantly to improve the quality of service and prevent property offenses, for the integrity of the property and personal security of Israeli citizens. "