Legality of insuring someone else's bike?

[Luke_Retrofly]

Hi
As you know Ive borrowed G's Rs for a few days, anyway I need to change my R6 insurance to the Rs.

Yesterday I phoned up and kinda told them that G was already insured on it, not knowing thats a bad thing.

Anyway they said 2 people insuring the same bike is fraudulant and they wouldnt let me do it?

Is this right should I just not mention its insured next time I phone up?

Luke

[McJamweasel]

It might bugger you in the event of a claim.

Can't you just be added to G's insurance?
____________________
BCF: Be yourself, just don't be an arse.

[nc30 chick]

Why doesnt G put you as a named rider and then you pay any extra it might cost?

[Danny]

Ask these guys: https://www.gisc.co.uk/Home/default.asp

[Sadie]

Are you not insured under your own policy to ride other people's bike with their permission?

I know I am under my policy.


____________________
With experience comes age.

[Danny]

It's not common for people under 21 to get cover for any bike.

[Bendy]

No, he's not.

In *general* you have to be off your 33bhp licence before they'll give you 'any bike' cover, and even then it doesn't come as standard with all policies.

[Sadie]

Sorry, I've not been that young for a while!
____________________
With experience comes age.

[stinkwheel]

[Sadie]

[Bendy]

Most of us older youngsters have 'any bike' cover - damn useful for those 'can I just have a go' moments.

But what I really want is 'any vehicle'. I can't be driving my car and riding my bike at the same time so why should I be paying to insure them both 365 days a year.

[Sparks!]

[stinkwheel]

[Sadie]

Where you may have a problem with Carole Nash is the size of your engines. They won't put anything under 300cc on a multibike policy.
____________________
With experience comes age.

[Ste]

I've had insurance policies before where the bike is not owned by me and they were aware that I was borrowing the bike of someone for a bit whilst my bike is being fixed, wasn't asked if they were also insured at all.

Can't see it being a problem with TPO cover, if you're wanting to get anything which includes theft cover they might start getting a bit unsure as if the bike was stolen you could both try to claim for it .

[Visitor Q]

Usually you need full comp and a fair fe2w year NCB. My dad (alledgedly) has it.
____________________
China traffic/travel bike vid - When I make a sweeping statement, please add the word 'statistically' in to the sentence before you bitch...
From September 2014 to January/February 2015 I will not be using any English, nor reading any. As such, I won't be on here. PM at will, but I won't be checking/posting unless in emergencies. Certainly not for the first couple of months. Please berate me savagely if I break that rule...

[G]

Have you pointed out that I am only insured TPO, not TPFT?

I susepct their assumption on this comes from the fact that if you had one bike insured with two TPFT policys you could try and claim twice, thus the fraud.

However I am only insured TPO, so that shouldn't be an issue.
Personally I don't see and decent legal justification for it to be illegal.

[Ste]

Know lots of people on here who have TPFT and are covered TPO on other peoples bike with the owners permission so fully comp. is not needed for this.

Most places aren't interested in doing it until you're off your 33bhp thing and over 21, but some do as Yams have now found out. They'll prefer it if you have a few NCB but as with everything they'll just charge you more if you have less NCB.

[byke95]

[Phoenix]

CIA just put TPO cover on other bikes on my policy one day for no reason, I was still on 33bhp at the time (not anymore) and I was also under 21, so just depends I think. Maybe it's do with if they think your any higher risk riding anyting other than what you're already insuring. For example, you ride a CB500 then jump on a mates ZX10R you're rather likely to stack it.

[G]

I got offered ride-any-bike with my TPO insurance on an old rd350... was the cheapest quote as well .

[Kickstart]

[Shade_BW]

[Born2bVile]

The problem arises from the fact that Insurance companies don't like doing TPFT on vehicles.

Whilst it is the minimum legal requirement, it's amazing the number of companies who refuse to do it. Fully Comp or nothing.

Now this causes problems, in that if they gave you Fully Comp insurance in this case, they are insuring you for somebody elses vehicle.

To give an example, I could take out an insurance policy on any vehicle on the road (or on rails, or even in the sky). I could claim for any accident it has, even though it's not my vehicle. Bit like betting on an air crash really.

Find a company that will insure you, not the vehicle. Any accident damage that you cause will be your problem, not the owners, but at least you will be legal.

And make sure if the worst happens, you make sure your mates bike is sorted. Cos who'll lend you a bike if you don't?

Cheers,

Byrnie.

[Claud 14.7 to 1]

IM 19, 0 years NCB, on a 400, and i can ride anyone elses bike 3rd party. As long as i have permission, and owner has insurance.