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veeeffarr
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Joined: 22 Jul 2004
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PostPosted: 23:40 - 12 Feb 2008    Post subject: Quick dilemma Reply with quote
Hi guys,

Helping a mate out and riding his new SV650 home for him tomorrow (New to him) as he's not passed his test yet as I'm insured on any bike TPO.

Only problem is, what happens if I crash it? Reckon the ins company will let me go fully comp for a day? The problem I've got is that I really want to help my mate out but I've got nowt to gain and lots of money to lose.

T
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Paivi
World Chat Champion



Joined: 30 Sep 2005
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PostPosted: 23:43 - 12 Feb 2008    Post subject: Re: Quick dilemma Reply with quote
Toby R wrote:
Helping a mate out and riding his new SV650 home for him tomorrow (New to him) as he's not passed his test yet as I'm insured on any bike TPO.

You're only insured on any bike if that bike is insured. Has your mate done that?
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wristjob
World Chat Champion



Joined: 29 Sep 2005
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PostPosted: 23:44 - 12 Feb 2008    Post subject: Reply with quote
are you sure its any bike tpo?
or is it any bike inured and owned by another party?
if in doubt hire a van
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veeeffarr
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Joined: 22 Jul 2004
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PostPosted: 23:44 - 12 Feb 2008    Post subject: Reply with quote
No, says nothing in my documents about the bike having to be insured by someone else.

T
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McGee
O RLY?



Joined: 24 Jun 2005
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PostPosted: 23:51 - 12 Feb 2008    Post subject: Reply with quote
Stop being a pussy and just ride it. Laughing
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_Will_
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Joined: 16 Jan 2006
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PostPosted: 23:55 - 12 Feb 2008    Post subject: Reply with quote
Toby R wrote:
No, says nothing in my documents about the bike having to be insured by someone else.

T


Afraid the bike has to be insured for you to ride it tpo.
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veeeffarr
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Joined: 22 Jul 2004
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PostPosted: 23:58 - 12 Feb 2008    Post subject: Reply with quote
vee wrote:
Toby R wrote:
No, says nothing in my documents about the bike having to be insured by someone else.

T


Afraid the bike has to be insured for you to ride it tpo.


I'll get in touch with the insurance tomorrow, wonder if the previous owner is still insured on it? Wink

T
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stinkwheel
Bovine Proctologist



Joined: 12 Jul 2004
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PostPosted: 00:02 - 13 Feb 2008    Post subject: Reply with quote
vee wrote:

Afraid the bike has to be insured for you to ride it tpo.


It states on my policy I can ride any other motorcycle providing I have the owners permission. I specifically asked them if the other bike had to be covered by another policy and they told me no.
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gmanxiii
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Joined: 20 Nov 2006
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PostPosted: 00:05 - 13 Feb 2008    Post subject: Reply with quote
i enquired about this (but for cars) in random banter the other day. Seems that the vehicle must be insured by someone else for your insurers to cover you.

https://www.bikechatforums.com/viewtopic.php?t=138554

Apparently all vehicles need to be insured if used on a public road.
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veeeffarr
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Joined: 22 Jul 2004
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PostPosted: 00:06 - 13 Feb 2008    Post subject: Reply with quote
Gmanxiii wrote:
i enquired about this (but for cars) in random banter the other day. Seems that the vehicle must be insured by someone else for your insurers to cover you.

https://www.bikechatforums.com/viewtopic.php?t=138554

Apparently all vehicles need to be insured if used on a public road.


Surely they are if your insurance covers you?
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veeeffarr
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Joined: 22 Jul 2004
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PostPosted: 00:09 - 13 Feb 2008    Post subject: Reply with quote
Considering the previous owner rode it to the place we viewed it surely if he doesn't cancel his insurance tomorrow I'll be ok?

T
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gmanxiii
World Chat Champion



Joined: 20 Nov 2006
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PostPosted: 00:19 - 13 Feb 2008    Post subject: Reply with quote
I think JohnnyGSXR's point was that its illegal to have an uninsured vehicle on a public road, hence for your TP to apply it needs to be insured anyway to be allowed on the road in the first place. From the looks of things theres different interpretations in the wording of the laws as well as the insurance policys that you can try argue though.

I'd say if the guy is still insured technically you'll be ok. Just if you hit someone obviously it'll be your insurance that takes the hit.
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veeeffarr
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Joined: 22 Jul 2004
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PostPosted: 00:39 - 13 Feb 2008    Post subject: Reply with quote
Gmanxiii wrote:
I think JohnnyGSXR's point was that its illegal to have an uninsured vehicle on a public road, hence for your TP to apply it needs to be insured anyway to be allowed on the road in the first place. From the looks of things theres different interpretations in the wording of the laws as well as the insurance policys that you can try argue though.

I'd say if the guy is still insured technically you'll be ok. Just if you hit someone obviously it'll be your insurance that takes the hit.


Yeah, he's still insured until he gets his Fazer next week Smile
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Phoenix
Twisted Firestarter



Joined: 01 Aug 2002
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PostPosted: 02:14 - 13 Feb 2008    Post subject: Reply with quote
stinkwheel wrote:
vee wrote:

Afraid the bike has to be insured for you to ride it tpo.


It states on my policy I can ride any other motorcycle providing I have the owners permission. I specifically asked them if the other bike had to be covered by another policy and they told me no.


Same with my policy. I am sure there is no law stating that a vehicle must have a policy specific to it for it to be used on the road, otherwise motor traders policies wouldn't work, as they don't have to ring up and insure every vehicle they get in (whether they're insured/owned by anyone or not). As long as you are insured to ride it that's that.

As for them insuring you fully comp, not unless you pre-arrange it, hence it being TPO on other bikes, not FC on other bikes.
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Old Thread Alert!

The last post was made 17 years, 131 days ago. Instead of replying here, would creating a new thread be more useful?
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