'ride any bike' on my policy

[Welshd1k]

So i rang up to see if i could ride a mates bike on my policy 3rd party only. Womman said no and i would have to cancle my policy then put me on hold. 3 mins latter and now i can ride any bike . *whistles* so my dads said i can use his t595 with COUGH restrictors COUGH in it untill i get my zxr sorted. or his gsx1400 . not bad for a zxr400 and £200 a year gotta love my dads traders policy.


i assume by this if i was to buya bike that was too expensive for mysef to inshure say a gsxr750 or simular and my dad has it on his traders i can ride it yes??
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Current >Cb600fx hornet, ns125rk90 21.7bhp@wheel<
Sold >,zxr400 h2 (33bhp kit) rd350 n1 rd350 lc2<

[c_dug]

May want to check the details, my mate is on a similar thing car wise and he has age based limits for engine size, at 19 he is allowed up to 2l, at 21 he is allowed up to 3.5l, something allong those lines.

c_dug
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I am a bellend, I am a man of constant sorrow, I am a gummy bear, I am a rock.

[Welshd1k]

[cyberglass]

Unforunately yes (only 3rd party)

I know someone who is driving around in a scooby with all the stage bells and whistles.
Technically he OWNS a fiesta with fully comp any car insurance. Hes got the v5 and insurance in his mums name as she has years and years of no claims. must seem odd to the insurance company telephone staff when a 50 odd year old woman is insuring a staged scooby

Good little loop hole but be careful you don't wanna smash the bike with only 3rd party insurance.


Also worth noting some insurance companys only allow the any car policy come into effect if your over 21.

Best to check
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DL650 Vstrom 2004
DRZ400S 2003
Yamaha R1 2005

[Welshd1k]

never gonna put a claim in tho tbh. if i drop a bike etc not worth loosing 4 years no claims. just bite bullet and fix it like i did when the 125 met a stationaly lorry
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Current >Cb600fx hornet, ns125rk90 21.7bhp@wheel<
Sold >,zxr400 h2 (33bhp kit) rd350 n1 rd350 lc2<

[iooi]

[Blackwolf]

As its only 3rd party it only covers the otherperson not you, you cant claim for any damages you make. So its only ood if someone hits you
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Current: Ducati Multistrada 1200s

[m0l0t0v]

[hmmmnz]

or he's just sensible and doesnt want to kill any bikers with stupid boy racer antics,

to him
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the humans are dead
I kick arse for the lord
Wiring Diagrams BIDNIP it bitches

[yen_powell]

It's called fronting.

https://www.fancyacar.co.uk/car-insurance/fronting/
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Blackmail is a nasty word........but not as nasty as phlegm!
XT1200Z and a DR350 in bits

[m0l0t0v]

[kawakid]

Wouldn't advise it myself.

The last time I rode someone else bike, I dropped it doing about £400 worth of damage and that was at 1mph. Riding other bikes is only 3rd party.
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I've a twin and a 4.

[iooi]

[t121anf]

[Alex A]

I'd be very careful about this. Third party cover on other vehicles often comes with a number of clauses. When you get your new paperwork have a close read of the T&Cs.

Typically it does not apply to other vehicles within your household or vehicles that you know you'll be riding regularly. Basically, it's there to cover you should you need to drive/ride a vehicle that isn't your own; it's not there to cover you for vehicles you know you're likely to be riding/driving - for those you can be expected to put yourself down as a named driver.

If you're involved in an accident or even just stopped and checked by the police, and they see that you're not a named rider on that bike, they'll very carefully check your policy and that you're not in breach of the insurance company's T&C before they consider letting you on your way.
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Current: Ducati Panigale R / Ducati Streetfighter S / Suzuki GSX-R1000 L5

[steveh]

Do what i do, me and my old fella have the same name, and we never fill out the DOB section on the log books, so insuring each others bikes isnt that difficult.

"is your name on the log book sir"
"it certainly is"

But turning 22 i now have entitlement to ride any bike tpo, so i ride them anyway.

in the future if any bike was overly expensive for me to insure TPO, id insure it in his name as hes over 50 and insurance is very cheap, then ride it on my policy.

simples.
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Current : 06 Zx10r, 07 Wr450f SM, 74 850 norton commando, 63 bsa b40, 1962 Triton 650, 67 Triumph Tr6r, 1955 Triton 750, 1978 TY250E.

[G]

[Paulington]

My insurance gives me the ability to ride any other bike TPO.

I did it with the Thundercat, my Dad insured it for about £50 but I just rode it TPO.

Problem is, it's such a big fiddle that if anyone were to find out you'd be in for it I imagine.
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"Four wheels move the body, two wheels move the soul."
Current Vehicles: '89 Kawasaki KDX200, '99 Yamaha XV535, '00 Honda ST1100 Pan-European, '08 Suzuki GSX-R1000, '08 Mitsubishi Lancer GS4 2.0 TDCi, '15 BMW 1 Series 116d Sport Turbo.
CBT: 27/08/08. Theory: 04/09/09. Module 1: 16/09/09. Module 2: 01/10/09.

[pa_broon74]

I'd check on the traders insurance, might be something in there that precludes third party cover on personal policies.

Business insurance is a wee bit different from private insurance.

To the 'just don't crash' argument? Sods law, you know you'll go out tomorrow and prang it.


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Didn't catch anything.

[tutton]

[P.addy]

had to be 21 to ride other bikes.
still not allowed to ride brothers bike... relation.
cant drive mums car...relation

but can ride sisters boyfriends GPR125 no worries..

[Alex A]

[yuri2085]

Being 21 or 25 seems to be a common theme when 'riding other bikes'.
Except I have a policy on NIG through bikesure and I have riding other bikes TPO insurance and I am 19.
I have checked and checked and checked and it definitely applies to me. The only one I have found that does it though and it was when NIG had just started underwriting bike insurance I think.
Will see if I can keep it on renewal.

[G]

Interesting - I suppose they've decided there's some 'quick wins' to get some more tallies on their league table.

[MarJay]