Insurers that offer any bike cover (FYI: Boring thread)

[Dom]

I'm currently trying to find an insurer who will give me cover for my Hornet and let me ride other insured bikes with the owner's permission. Other than Carole Nash, who are quoting me £400 more than my £250 renewal price, I'm not having any luck as I'm 20 and not 21, which seems to be the magical cut off point at which insurance companies think I'll somehow become more sensible.

Is anyone aware of an insurer who will let me ride other bikes before I'm 21? It's getting very annoying having a shiny Monster in the garage that I can't ride.
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[Kwaks]

for most insurers 25 is the magical age
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[karlbbb]

I agree. Both my previous car insurers said I would not be insured on other cars 'til I pass 25 (currently 19). I imagine it will be similar with bike insurance.

[Dom]

Yeah I've had a couple of places say that too. Either way I get the impression it's not going to happen.

A nice bike in the garage, permission to ride it and I'm happy to pay a bit extra for the insurance yet I can't ride it legally because nobody'll offer the cover. Stupid.
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[Itchy]

Adrian flux & Equity red star seemed to do this for me ,
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[Kickstart]

Hi

Direct Choice do it for me, but afraid I don't know if they have an age cut off.

All the best

Keith
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[repiV]

I'm insured to ride any bike (I only have TPFT cover to boot), that's with MCE Insurance underwritten by KGB Lloyds Motor Policies.
I'm 21, too.

[Dom]

Cheers for the suggestions. No joy with Adrian Flux or MCE (they want silly money) but Equity are supposed to be calling me back later. I'll try Direct Choice too.
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[nynfortoo]

Mine's with Highway through Swinton, and I'm 22, though I don't know of any age cut-off with them.

They added this to my policy automatically after I notified them of passing my DAS and buying a new bike.

[feef]

how VERY tempting..

I've just checked a quote for Trade cover, giving me fully comp on ANY bike in my posession, as long as it's involved in 'sales, service or demonstration purposes' and includes personal use too. It would mean that any one of my 7 bikes would have to be 'for sale' or 'in for service for a customer' but I buy and sell that many bikes throughout the year, or have friend's bikes that I'm repairing that that's not impossible to claim.

£610 per year.

I think that's VERY tempting...

that's less than I'm paying now, but giving me fuly comp on any bike, anywhere, even if I don't own it is nice. Would also save hassles when it comes to tax my various bikes, as I don't currently have them all insured, so don't want to pay insure it JUST to tax it, if I'm only going to sell it on. (as happened recently with the GPZ)

a
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[beans]

Im 20 and have cover to ride other bikes. Im with MCE underwirtten by KGB. They were stupidly cheaper than anywhere else for me 20yrs old on a ZX6R 4 years NCB for £180.
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[NSR Mick]

I'm with Equity Red Star (I think) though Choice Quote and the dont give you any other if your insurance is for a bike less than 400cc.
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[Dave McCool]

I'm 20, and my car policy with CIS lets me drive or ride any other car or motorcyle that does not belong to me etc.

Not sure if they do bike policies though...
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[danclarkie]

Im 20 and covered on Any bike and any car.
Quinn Dire t for my car insurance
and
Motorcycle Direct for my bike insurance.

There were also the lowest quotes i could find, Pay around £300 on my Fazer 600 with 3 years NCB and £600-£700 on my car with 1 Years NCB


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Bah Humbug

[southlondoner]

Try Bell, part of admiral I think.

https://www.insurancemotorbikes.co.uk/bell/

They let me drive any other cars at 18, don't know if they'll offer it with a bike policy? A good £800 cheaper than anyone else for me too!
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2002 Honda CG125

[veeeffarr]

Aquote - I'm 23 and can ride other bikes, with no limitations (Doesn't have to be insured by someone else)

T

[sickpup]

[Itchy]

tax as a motortrader eh? ,

I suppose you can register for self employment pay the £2.20 class 2 NI , make zilch and get a class 2 exemption certificate.

Along with this subordiate say 10% of your house space as biz property and declare this on your tax return ,

lose money on it and claim S381 or was it S380 on it to pay less tax on your day job.
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[sickpup]

[Itchy]

Depends in that a trade isn't defined by the money you make , I know a guy who has been making losses for years HMRC hate him though.

I suppose you could go the alternative ltd company route which means make EXACTLY £80 , prep corp tax returns and submit returns to companies house.
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Spain 2008France 2007Big one 2009 We all die. The goal isn't to live forever, the goal is to create something that will. In the end, your life will flash before your eyes. Make sure it is worth watching.

[sickpup]