"Insured to drive anything"

[Newbiker0507]

I hear this phrase banded about often...is it actually possible?

So could I (for example) be insured fully comp on an R6 and buy and use (say) a car without taking out further insurance?

[TUG]

[Newbiker0507]

[cyberglass]

im insured to drive any vehicle (3rd party only) with the owners permision and on condition that they themselfs are insured on the vehicle.

So you could say im insured on anything. Sort of

I dont know if it will cover me to ride someones bike as long as i have a valid bike licence.

im going to give my insurance a ring tomorrow and find out as it does not state a car only just Vehicle.
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DL650 Vstrom 2004
DRZ400S 2003
Yamaha R1 2005

[ThoughtContro...]

[D O G]

[s44678]

I would doubt that a fully comp bike policy would allow you to drive any car 3rd party, but I might be wrong.

Also, the other 'vehicle' sometimes has to be insured already for them to insure you on it 3rd party, but this depends on the insurer. Ring em and check.

Oh, and it definitely can't be owned by you.

[amnesia]

...and obviously the categories of vehicle on your licence should be taken into account...
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25/7 I'm a God-damn Rock Star
"Arguing about the best 125 is like arguing which Spice Girl could sing best"

[Chriss]

My wife has this on her policy. She is insured third party on any vehicle that she has a valid license for, as long as she's not the registered keeper, she has the owners consent and it is insured against third party risks.

That's with NFU.
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TheShaggyDA: I've got 3 or 4 pairs that predate my wife, so at least 11.5 years old.

[daemonoid]

[Chriss]

[Smooth]

I once heard that you can take out an agreement with the government or maybe Lloyds (?) that basically insures/covers anything.

It might cost you a few £million though
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TDM850

[Chriss]

I remember being taught something about that when I worked for Saga, but I don't remember how it works, but I do know it does exist.
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TheShaggyDA: I've got 3 or 4 pairs that predate my wife, so at least 11.5 years old.

[daemonoid]

[Bendy]

I'd say it's more of an age thing - I can't think of a policy where I haven't had it from 25 onwards, even when it's basic cheap insurance.

The 'vehicle' definition does generally mean 'a vehicle of the same sort your policy is for'. Not only does my car insurance not cover me to ride a bike, it doesn't cover me for any vans that aren't car-based. Which is an arse but also vaguely understandable.

[t121anf]

despite some policies saying "vehicle" i would never take it to mean on a car insurance policy i can ride someone elses bike etc.

i have only ever read it to mean another vehicle of the same type that is insured.

also never understood why on a bike policy the other bike has to be over 350cc :-S

[asdf]

With my policy i can ride any vehicle upto 125cc third party and have fire and theft protection on my own bike.
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KTM EXC 125 Supermoto, Honda Cub90

Past - Aprilia SR 50 Ditech, Derbi Senda SM DRD, Aprilia RS125 x 2, Aprilia RX 125

[D O G]

[ncrn]

[Tristan.]

[daemonoid]

[SonicTheHedge...]

[Finglonga]

[ripzay]

I have riding other bikes on my bike policy, it doesnt extend to cars though.

I'm insured TPFT on my GSX-R400 with Riding Other Bikes

BAsically means for example that i am allowed to ride my brothers motorcycle with his permission, providing he has insurance for it himself.

.. which i'm doing at the moment.

will let you know what happens if i get pulled over and have to produce documents
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Current: 2005 KTM SuperDuke 990
Previous: 1996 Suzuki Bandit 600
Previous: 1994 Suzuki GSX-R 400

[Howling TerrorOutOfOffice]

My insurance company (Just Motorcycle Insurance) don't cover their policy holders to ride other bikes, i'd have to be added to the other bikes insurance.


Pat
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