If i was to buy a 2nd hand bike tomorrow from a dealership..

[apple tango]

would i be able to get away with saying i've got fully comp insurance, so i can ride it away straight away?

Or am i being naive?

I know its probably a silly idea, but i'm up for taking the risk.
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CBR125 -> Bandit GSF600 '99 -> SV650 02

[MarJay]

[Ichy]

Once you've paid for it and ownership is transferred you could say what the hell you like, they are probably not in the least concerned what you do with your property.

[apple tango]

Maybe i was a bit confused.

When i bought my first bike, privately, my mate rode it home for me as he has fully comp insurance, so i assumed everything was ok.

Maybe it ain't worth the risk. The dealership is only 4 miles away from my home though, but i guess anything could happen within the first few metres.

Maybe i could push it
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CBR125 -> Bandit GSF600 '99 -> SV650 02

[KTM Gordo]

When I bought my new 'bike in May I had to send the insurance certificate to the dealer so they could put a tax disc on it for me.

Insurance is the one thing your vehicle must have before going on the road. Everything else (MoT, registration number and tax) is permitted in certain circumstances.

If you were to be stopped you are likely to have the 'bike seized and possibly destroyed. And you get to pay for it's removal, storage and disposal as well as a fine for no insurance.

It really isn't worth the risk. If you can't afford insurance, why are you buying the 'bike?
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Change is inevitable - except from a vending machine.

KTM 990 Adventure | KTM EXC 250 Racing | Land Rover Freelander SE Td4

[Chriss]

All because you have fully comp insurance doesn't mean you automatically have insurance on any vehicle.

Common myth though.
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TheShaggyDA: I've got 3 or 4 pairs that predate my wife, so at least 11.5 years old.

[G]

I think they only ask for details of insurance on new bikes really; so that they can get tax etc sorted, which I think is needed for the general 'on the road' stuff.
I've never seen anyone being asked regarding a second hand bike.

As mentioned above, it is of course naughty and carries a fair bit nastier possible consequences than stuff like minor speeding, etc.

[panrider_uk]

Won't they deliver it?

Mark
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Current bikes: Honda ST1100 Pan European. Moto Guzzi V85 TT Travel

[yambabe]

Or if you're definitely buying it you will need to insure it anyway so why don't you just arrange insurance to start on the day you want to pick it up?
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Sod falling in love, I wanna fall in chocolate.

[faddius]

In the words of a salesman when I ask if I needed to produce insurance documents for them before collecting the bike -

"Once you signed the documents, payed us the money and get on the bike - its not our problem - you can do what ever the hell you want with it"




Top bloke, was able to get it home and get insured on it a couple of days later when Id been paid.

Admitted, I live within a mile of every single bike shop in my city

[Dave McCool]

Some policies allow you to drive a vehicle from its previous address to yours on the day that the ownership legally changes, allowing you to bring it home, but that'll be hidden very deep in the small print. Pretty handy though.
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McGee - "When I go to the mall and see all the high school girls, I have to have DO NOT TOUCH THE GIRLS written on my hand. Every time I go to grope I see it and stop."
K7 GSXR750

[kitty kat]

If you are getting bike on finance then you need to prove insurance, they would need to see your insurance if they are putting tax on it for you, but it doesn't need to be fully comp for that.

IMO if you ride the bike out of the shop without any insurance you are a fool, what would happen if you crashed the thing on the way home, hitting someone or a car, you would be up shit creek without a paddle
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Enjoy everyday, tell those you love everyday you love them
Life is too short to fall out with people

[TheShaggyDA]

[Whosthedaddy]

Get a quote and reference number, buy the bike and when you're getting kitted out ring them up and get the cover to start.

When I picked up the FZR I just sat outside the guys house with the bike and rang the insurance company and with the 7R I rang them minutes before leaving to collect the bike.
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Current : MSX 125 Past : CBR 900RR Monkeybike : c50 LAC : ZXR750 H2 : FZR600 : ZX7R P3 : YW100 : TRX850: Trophy 900 T309 : GSXR 600 L0: Monkeybike : XJ6S Whosthedaddy

[powelly]

[apple tango]

Thanks for the help folks.

I think i will do the sensible thing and sort out the insurance before i set off home on the bike.

No point taking the risk!
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CBR125 -> Bandit GSF600 '99 -> SV650 02

[Feasty]

I'm guessing it's more because he doesn't want to take the insurance out in case the sale falls through or something?

I was in this position with my XR125... I went to the shop who had 2 identical XR's, only difference was the mileage. Decided to buy the more expensive one with less miles and so went away to come back with my bike as part-ex the following day, (I was in my car at that time).
Sorted out insurance for a month on the bike I wanted to buy, took a cover note and turned up at the shop with my old bike and did the deal. Only when it came to paying for the bike and getting the service history did I notice that the mileage didn't make sense... further digging showed the clock had been swapped at some point and the bike had done more miles that stated. Pointed this out to the garage owner who was very apologetic that he hadn't noticed and he offered the bike to me for the same price as the cheaper one. I declined and decided to buy the cheaper one instead, went through with the deal and rode it home.
As soon as I got home I realised I hadn't been insured on the bike because I changed which bike I was buying - at the time the insurance thing didn't even occur to me! Thankfully I was able to change the reg number online and have the bike I bought insured straight away afterwards... lucky though since I had a 20mile ride home from the garage uninsured!!
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Previous: Aprilia Habana Retro 50cc (beauty), Yamaha SR125 (fell apart), Honda XR125 (nippy little commuter), Honda SLR650 (Geewhizz), Yamaha Diversion 900S (Smoooooth) written off courtesy of a stupid escaped horse.
(7 year gap), BMW F650 (Relaxing ride). Aprilia Caponord ETV1000 (Big and bold). Yamaha FZS600 (got me in trouble too quick!).
Current: Yamaha TDM 900 (Comfy, light but big, power when needed).

[Whosthedaddy]

14 day cooling off period and get your money back?
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Current : MSX 125 Past : CBR 900RR Monkeybike : c50 LAC : ZXR750 H2 : FZR600 : ZX7R P3 : YW100 : TRX850: Trophy 900 T309 : GSXR 600 L0: Monkeybike : XJ6S Whosthedaddy

[krebsy]

Round here, the local shops won't let you ride off without proving you're insured. Norwich union do free 7 days insurance (for cars anyway not sure on bikes though) with dealerships etc. so you can take your vehicle away. The hope is that you'll simply renew with them after a week rather than shopping around for cheaper insurance.

Goat-Boy neglected to bring his insurance with him when picking up his SV 650, so we had a few runs between his house (arse end of town) to the dealers (top end) to do...

K.
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What's my New Year's resolution?

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