Insurance to ride other bikes

[M1ke]

I am currently renewing my insurance and am looking into getting cover to ride other motorbikes.

Does anyone know if the cover to ride other motorbikes requires said motorbike that is not owned by you to be insured by the owner? Or could you technically ride a bike that has not been insured for years under your policy that allows use of other bikes?

i have read the policy details - I have attached a screen cap to show all that it mentions.

[Scouse]

There's enough you's to say that the other bikes would need to be insured.

EDIT: But then again when re-reading part b) it does give the impression that you would be covered

[trevoriv]

Not this again. The vehicle must be insured under it's own policy.

Section B on that screen cap only indemnifies you meaning that if you injure another person then the insurance will deal with that claim. This is not the same as being insured, the vehicle must be insured under it's own policy in order for it to be legally allowed to travel on public highways.

This driving other bikes extension merely provides the indemnity to you as the rider for damages to a third party.
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Past: '96 Thundercat, '02 ZX636R (A1P), '58 KTM 690 SM LC4 Current: '06 ZX636R (C6F)
Mudskipper wrote: Someone just has to sig that...

[Scouse]

I think this is a case of ring them up and ask specifically.

[M1ke]

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[arry]

it's a very grey area and not something I would risk.

trevoriv is right as far as I'm concerned. If you ride a bike under DOC that's not insured elsewhere, the second you step off that bike you and the owner of it commit an offence, you for leaving a vehicle not covered by insurance on the public highway, and them for allowing it to be left there.

So, in effect, whilst you can ride the bike, the fact that you can't legally get off of it at any point should mean that when you're stopped over by Plod you can't get off the bike as they ask you to - and since they can reasonably request that you do that, to the wrong copper it COULD be construed as an offence. In any case you'd not be able to leave the bike anywhere other than in your garage at any point whilst you weren't on it.

That's my take on it anyway. Worth the risk bearing in mind how cheap bikes are to insure? I wouldn't take the chance, personally.

[stirlinggaz]

hi,
i have just this month renewed my insurance.
after being ripped off umpteen times, i decided to try & get "other bikes" coverage.
simply for the times when my mates drop there bikes off & say "its broken".
as i have a few points, i was never able to take said bikes on public roads for test runs-essential for my project gamma (plug chops etc) & some other occasions.
i found it quite difficult to get a policy that suited me, as most quotes i was getting were around the £180-240 mark, fully comp, but they would not let me ride other bikes.
after a few e-mails & a couple of phone calls, i played the waiting game.
because there will ALWAYS be contact from some insurance companies desperate to get your cash.
i just had to be firm & say i wanted fully comp on my daily ride & at least 3rd party coverage on ANY other bike (though it does specify that it should be of "equivilent capacity/value & within my licence entitlements" wtf??)
& if they couldnt offer me that, "good bye" & the phone went down.
i played them off against each other & eventually got what i wanted.
i got it at the same price (its actually a bit cheaper) as the original cheapest quote.
but i had to keep on repeating myself over & over again.
"i dont care if it costs a little bit more, i dont care if i have to have a larger excess, i WANT to be able to ride other bikes now & again & do it legally WITHOUT getting another policy, without specifying every bike".
as soon as you ask for something a wee bit different, the call centre monkeys get a bit confused (no offence intended to anyone who works in a call centre, i work in call centre type evironment as well, lol)
anyway to cut a long story short, it IS possible but you will have to specifically ask for it & study your policy document carefully, as my 1st document diddnt have any mention of this "add-on"!
i had to phone them back up & say the had mis-sold me a policy & i was reporting them to the ombudsman, then hang up.
(those 0870 numbers dont qualify for free calls & cost a bloody fortune)
10 minutes later i got a call back from a "supervisor" who threw in free break down recovery & sent out an amendment to my policy a few days later.
but for those 1st couple of days, if i had any accidents on any other bike, i would have probably been f*cked!
cheers,
GAZ

[trevoriv]

The 'riding other bikes' extension purely gives you as the rider indemnity to third parties whilst riding a vehicle that doesnt belong to you, it isnt an insurance policy in it's own right and you have no insurable interest in a vehicle that is not owned by you.

A bike must be listed on the MID to be road legal and therefore needs to be insured in it's own right.

If the vehicle is not insured in it's own right you will 100% get an IN10 (driving without insurance) conviction if stopped by the plod.

I do police witness statements on behalf of an insurance company on a daily basis.
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Past: '96 Thundercat, '02 ZX636R (A1P), '58 KTM 690 SM LC4 Current: '06 ZX636R (C6F)
Mudskipper wrote: Someone just has to sig that...

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[trevoriv]

Motor Insurance Database

The Fourth Directive is designed to improve the claims process for EU third parties claiming against an Insurer based in another EU Member State.

One of the main requirements is that a claimant should be able to identify the relevant Insurer from the registration number of a vehicle. The UK insurance industry has concluded that the only realistic means of meeting this requirement is to develop a database of all vehicles and their associated insurance policies.

In summary:

* It is a legal requirement that motor insurance policy details are recorded on the motor insurance database.
* Motor Insurers have to provide basic policy information on all their policies.
* Policyholders have to provide vehicle information within 14 days of acquiring a vehicle.
* A £5,000 fine may be imposed for non-compliance.
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Past: '96 Thundercat, '02 ZX636R (A1P), '58 KTM 690 SM LC4 Current: '06 ZX636R (C6F)
Mudskipper wrote: Someone just has to sig that...

[G]

Those details seem to be related to what insurance companies have to do, not anything to with a vehicle being road legal or not.

[Kickstart]

Hi

A vehicle doesn't have to be on the MID for the insurance to be valid. Most trade policies would fall foul of this.

Any vehicle "used" on the road must be insured. The cover to ride other bikes should cover you when riding it.

However when you stop riding it then it gets more complicated. Comes down to what the legal interpretation is of the vehicle being used. It could be argued that having parked it you are still the user and hence your insurance covers it. Equally it could be argued that as you are no longer riding it the person who is using it is the owner / registered keeper who is now storing it on the road.

Hence you might be covered or you might not depending on who the law is interpreted.

All the best

Keith
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Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing

[M1ke]

Thanks for all of your replies, I opted to go with the ride other bikes policy for an extra 5er

At least I am now ok for the odd test ride, I am going to go through the policy document with a fine tooth comb when it turns up just incase it has some get out clause.

[Pete.]

My father was once driving his sister's car and he got a stop, they both had to produce documents at the cop shop (this was before the database they have now). Problem was she was away on holiday and couldn't produce her insurance documents and they took her to court, where she was aquitted of failing to produce because of the particular circumstances. The whole reason of requiring her to produce was because when my father parked the car and got out his insurance no longer covered it to be kept on the road. This is what they said in court.
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[trevoriv]

[Kickstart]

[Wave2k]

you aint riding mine
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[M1ke]

[The Disapproving Brit]

[trevoriv]

[Kickstart]

[multijoy]

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