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bigup
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PostPosted: 09:34 - 14 Mar 2009    Post subject: 2 Questions about mileage... Reply with quote

1. What is classed as being the average mileage a year for a non commuter? I.e weekend and some weekday evening blasts? (for insurance)

2. What is considered high mileage when looking at a bike to buy?

Thanks.[/list]
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tafflade
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PostPosted: 09:42 - 14 Mar 2009    Post subject: Re: 2 Questions about mileage... Reply with quote

bigup wrote:
1. What is classed as being the average mileage a year for a non commuter? I.e weekend and some weekday evening blasts? (for insurance)

2. What is considered high mileage when looking at a bike to buy?

Thanks.[/list]


1. 3-6k I would say but only you know how much you are going to ride your bike, if you say 3k and are exceeding that 1/2 way through the year then you should tell your insurers.

2. depends what bike you are looking at, if its a 125 then 20k on the clock could seem a lot depending on how its been looked after but 20K on something like a pan european or a BMW means its just starting to get to be run in.

what bike/what sort of bike are you considering buying?
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G
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PostPosted: 09:45 - 14 Mar 2009    Post subject: Re: 2 Questions about mileage... Reply with quote

The condition (specifically of the mechanical bits, for me) of the bike I'd say is much more important when buying, as above.
Best bet to get an idea of 'average', is probably to look at some bikes in the area you want to buy Smile.
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iooi
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PostPosted: 12:49 - 14 Mar 2009    Post subject: Reply with quote

1. Would expect to see around 5K.
When i 1st started bikeing and it was only used for fun, as work was a 5 min walk. I would do around 350 a week averaged over the whole year.
Often with a new bike i would have 1K on in the 1st week. Mr. Green

2. High milage has to be based around the age and type of bike.
Many bikes can happly do 100K with no problems, while others won't be worth touching when they get to 10K due to the high mataince costs.

Decide what type of bike you are looking at and you will get more info on whats considered high milage.
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Faraz
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PostPosted: 12:55 - 14 Mar 2009    Post subject: Reply with quote

How would the insurers you if you have exceeded your stated annual mileage anyway?
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MaybeGuy
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PostPosted: 13:38 - 14 Mar 2009    Post subject: Re: 2 Questions about mileage... Reply with quote

tafflade wrote:

, if you say 3k and are exceeding that 1/2 way through the year then you should tell your insurers.



ive never had insurers ask me for my mileage when taking out insurance. hence why i do up to 1000 miles per year Wink
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tafflade
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PostPosted: 14:10 - 14 Mar 2009    Post subject: Re: 2 Questions about mileage... Reply with quote

mattsprattuk wrote:
tafflade wrote:

, if you say 3k and are exceeding that 1/2 way through the year then you should tell your insurers.



ive never had insurers ask me for my mileage when taking out insurance. hence why i do up to 1000 miles per year Wink


its very easy for the insurance co to find out what the milage of your bike was at the last mot.

[shrugs] whatever you think I dont really care, I'm not going into the riding with in the terms of your insurance debacle again. All I said in my OP was

Quote:
you should tell your insurers.


weather you do or not is up to you.

FWIW, if you tell them above 6k miles a year then it make no difference to the price you pay if you say 20k, the limited milage discount is below 6k (or so the dude told me when I took my last policy out)
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thefallenange...
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PostPosted: 14:57 - 14 Mar 2009    Post subject: Reply with quote

hmmm depends but the first thing i'd think of would be how much would i have to do and check once i've bought it.

Summer fun should be around 4/5k which is normally dependant on service windows too. I.e the SV is only 3.5k so some people might like to keep to one service a year.

If your going for a bike with thats more than 5 years old with more than 30k on i'd be worried generally but just make sure it feels right.
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G
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PostPosted: 14:58 - 14 Mar 2009    Post subject: Re: 2 Questions about mileage... Reply with quote

tafflade wrote:

its very easy for the insurance co to find out what the milage of your bike was at the last mot.

And how would they prove you rode it insured under their policy for that number of miles?
My vehicles are often used by other people under their own insurance, or sometimes off-road, etc.
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tafflade
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PostPosted: 15:06 - 14 Mar 2009    Post subject: Re: 2 Questions about mileage... Reply with quote

G wrote:
tafflade wrote:

its very easy for the insurance co to find out what the milage of your bike was at the last mot.

And how would they prove you rode it insured under their policy for that number of miles?
My vehicles are often used by other people under their own insurance, or sometimes off-road, etc.


a vehicle can only have 1 insurance policy valid for it at any one time, the onus would be on you to prove that you hadn't done that milage not on the insurance co to prove you have IYSWIM,
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G
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PostPosted: 15:23 - 14 Mar 2009    Post subject: Re: 2 Questions about mileage... Reply with quote

tafflade wrote:

a vehicle can only have 1 insurance policy valid for it at any one time, the onus would be on you to prove that you hadn't done that milage not on the insurance co to prove you have IYSWIM,

For a start, a vehicle can have multiple insurance policies covering it at one time.

Secondly, third party cover to ride/drive other people's vehicles is incredibly common, so I suspect an insurance company would not have a chance in court using that kind of argument - maybe what they tell the general public in the hope they would 'give in', but that's another matter; I've seen people who work in insurance companies claim all sorts of stuff that's totally fictional in regards to the law.
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kawashima
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PostPosted: 15:25 - 14 Mar 2009    Post subject: Reply with quote

1. around 5k?
2. I assume you are looking at 650 class(from SV650 or 650S thread), what I was suggested was it's better to avoid bikes used for courier(especially bikes owned by courier company). They are usually high milage. But some dealers rewind the odo meter back, so you must judge by your self in the end. If the bike looks far "tired" for its milage, you should suspect.
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tafflade
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PostPosted: 18:51 - 14 Mar 2009    Post subject: Re: 2 Questions about mileage... Reply with quote

G wrote:
tafflade wrote:

a vehicle can only have 1 insurance policy valid for it at any one time, the onus would be on you to prove that you hadn't done that milage not on the insurance co to prove you have IYSWIM,

For a start, a vehicle can have multiple insurance policies covering it at one time.


can you explain under what circamstances you would have more than one policy valid on one vehicle
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G
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PostPosted: 19:03 - 14 Mar 2009    Post subject: Re: 2 Questions about mileage... Reply with quote

I said a vehicle may have multiple policies, not a person
For instance, I'm insured to ride my bike and a friend would also like to ride it, so they add my bike to their policy.

Ebike insurance does not offer third party cover to ride other people's vehicles, but does suggest that you could add your friend's bike to your policy if you'd like to ride it (which is pretty useless when someone offers you a quick blat on their bike in Boxhill carpark Rolling Eyes).

I suspect you could have seperate business and personal cover on a vehicle in some cases.

As mentioned, third party cover to use another vehicle is the obvious example where two insurance policies are 'acting' upon one vehicle as such.
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tafflade
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PostPosted: 19:28 - 14 Mar 2009    Post subject: Reply with quote

if their insurance will allow a multi bike policy fair enough, far easier all round to add your fried to your insurance as a named rider and they ride your bike on your insurance.

this still doesnt get away from the fact that if you have exceeded the agreed milage the onus will be on YOU to prove that the extra milage was covered on a different policy and not on the insurance co
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G
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PostPosted: 19:59 - 14 Mar 2009    Post subject: Reply with quote

tafflade wrote:

this still doesnt get away from the fact that if you have exceeded the agreed milage the onus will be on YOU to prove that the extra milage was covered on a different policy and not on the insurance co

First off, could you clarify where your knowledge of this situation comes from? I have to admit I myself am quite ignorant of such things

At what position would the onus be on you?
As I say, I find it hard, if it were to the point of the legal system being involved, to believe the court would expect you to prove it, rather than the insurance company disprove it.
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Bendy
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PostPosted: 20:10 - 14 Mar 2009    Post subject: Re: 2 Questions about mileage... Reply with quote

G wrote:

For instance, I'm insured to ride my bike and a friend would also like to ride it, so they add my bike to their policy.


Last year, I had my CBR on my multibike policy and Jay also had it on his multibike - no problem and that's two people living at the same address insuring the same vehicle. Insurance company didn't have a problem with that at all.

Why did we do it? It meant that I was fully comp on it and so was he - if he'd ridden it on his 'other bike' then it would have been TPO if he'd had an accident.

I could have added him as a named rider on my policy but if I do that I a) won't get it as cheap as he's younger than me and b) don't want to - if he bins it badly enough that he needs to claim he can fuck up his own NCB.

So there's a bike insured by two different people, each with a mileage 'allowance', ridden by various other people on their 'any bike' TPO cover and trackdayed to buggery. Oh and it had an over-reading speedo that meant the odometer wasn't in actual miles either. Court'd have fun with that one. Smile
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Poseidon
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PostPosted: 20:33 - 14 Mar 2009    Post subject: Re: 2 Questions about mileage... Reply with quote

tafflade wrote:
can you explain under what circamstances you would have more than one policy valid on one vehicle


see below:

Bendy wrote:
trackdayed to buggery.


There'ya go... you can take track-day insurance out to cover your bike where road insurance wont... 1 Bike but 2 Policies! and mileage being added exclusive to one policy or the other! simples Thumbs Up
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Polarbear
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PostPosted: 21:04 - 14 Mar 2009    Post subject: Re: 2 Questions about mileage... Reply with quote

Bendy wrote:
G wrote:

For instance, I'm insured to ride my bike and a friend would also like to ride it, so they add my bike to their policy.


Last year, I had my CBR on my multibike policy and Jay also had it on his multibike - no problem and that's two people living at the same address insuring the same vehicle. Insurance company didn't have a problem with that at all.

Why did we do it? It meant that I was fully comp on it and so was he - if he'd ridden it on his 'other bike' then it would have been TPO if he'd had an accident.

I could have added him as a named rider on my policy but if I do that I a) won't get it as cheap as he's younger than me and b) don't want to - if he bins it badly enough that he needs to claim he can fuck up his own NCB.

So there's a bike insured by two different people, each with a mileage 'allowance', ridden by various other people on their 'any bike' TPO cover and trackdayed to buggery. Oh and it had an over-reading speedo that meant the odometer wasn't in actual miles either. Court'd have fun with that one. Smile


That is illegal. You can only have 1 insurance policy per vehicle or you can have a conflict of interest. If you ride someone elses bike on your policy, It must be insured itself, ie. if I ride my wifes bike, I can only ride it if it is insured by her on her policy (if that makes sense).

I wanted to get my wife on my policy for riding my ZZR, the insurance wouldn't let me as I have a multi bike policy which was only valid for me, no named riders.

OK, I'll insure the ZZR in her name. No, you can't do that sir as it is illegal etc. The only way to do this is take the ZZR off the multibike policy & start a new one with you both named on it, but you won't have any no claims as your no claims are on your multi bike policy Evil or Very Mad

I didn't bother in the end.
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Bendy
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PostPosted: 21:20 - 14 Mar 2009    Post subject: Re: 2 Questions about mileage... Reply with quote

Polarbear wrote:


That is illegal. You can only have 1 insurance policy per vehicle or you can have a conflict of interest.


Surely it only becomes a conflict of interest if something actually happens, if both parties were to claim then that's certainly illegal.

Whoever Jay was insured with last year didn't have an issue with the bike not being in his name and already being insured by the owner (me). What about when people take out cover for a day to get a test ride - the bike's usually still insured by the owner?

Here's another one - I've got my car insured. My friend wanted to borrow it for a day so went to one of those short-term insurance sites and bought 1 day of cover. They even market themselves in a 'borrowing a vehicle' type of fashion.

Insurance companies will talk a load of rot and different ones will say different things. As far as I'm aware, it's only illegal to make multiple claims, not for there to be multiple policies in place.
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G
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PostPosted: 21:40 - 14 Mar 2009    Post subject: Re: 2 Questions about mileage... Reply with quote

Quote:
OK, I'll insure the ZZR in her name. No, you can't do that sir as it is illegal etc.

Did you confirm this, or take the phone-monkey's word for it?
As said, some of the more ridiculous stuff legal stuff I've heard about insurance has come from relatively front-line people in the industry.
In comparison - a friend has got his insurance on one of my bikes, telling the company all the details, including that I was insured and has been fine.
I really don't see where there's a conflict of interest - if he crashes it, his insurance pays out, if I crash it, mine does.

I believe insurance policies often comment about insurance in fringe areas that it's only valid where other specific insurance isn't - for instance you could get holiday insurance that offered the same protection for your stuff as your home insurance, yet not have the FBI after you because of it Razz.
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iooi
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PostPosted: 00:00 - 15 Mar 2009    Post subject: Reply with quote

Well when i tried to ins my divvy, i messed up the registered keeper bit and forgot it was me.. Rolling Eyes
When it came to the quote bit, it said no can do as not registered keeper.
Might be different for other ins co, though.
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