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Newbie insurance questions

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Nick 50
World Chat Champion



Joined: 24 Jul 2011
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PostPosted: 00:28 - 06 Sep 2011    Post subject: Newbie insurance questions Reply with quote
I have a few insurance queries i'm hoping to get answers for.


Firstly, being new to biking I don't already own a bike and thus have no insurance. When I see a bike I like and want to go and view, can I : get the registration, pre-fill in an insurance quote online with say bikeinsurer, go and view the bike and if it's ok, then ring an insurer with the quote number, pay and become instantly insured?
Meaning I would then be able to ride the bike home?

Secondly I spoke with someone who already has a bike and one of the things that has stuck from his advice is to make sure I get Legal Cover included. What is Legal Cover, how much of an extra premium does it add on and for the price it will be is it useful?

Thanks in advance,

Nick
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Germ
Trackday Trickster



Joined: 13 Aug 2011
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PostPosted: 00:37 - 06 Sep 2011    Post subject: Reply with quote
Do you have a licence and have you done a CBT? If the answer to both or either is no then you can't get insurance cover for it and ride it home.

If you have both you can call them on your mobile and arrange insurance over the phone for it and you'll be covered to ride it from the point you pay for the insurance.
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Nick 50
World Chat Champion



Joined: 24 Jul 2011
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PostPosted: 01:00 - 06 Sep 2011    Post subject: Reply with quote
Germ wrote:
Do you have a licence and have you done a CBT? If the answer to both or either is no then you can't get insurance cover for it and ride it home.

If you have both you can call them on your mobile and arrange insurance over the phone for it and you'll be covered to ride it from the point you pay for the insurance.


Thanks Germ.


My plan would to be buy a bike after completing Mod1&2 in the DAS format.

So at the time I would be on a provisional licence but having passed my bike test.
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Rogerborg
nimbA



Joined: 26 Oct 2010
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PostPosted: 08:22 - 06 Sep 2011    Post subject: Reply with quote
"Legal cover" doesn't mean anything in particular - you have to read exactly what you're being offered from each insurer.

Don't pay for "legal cover" that essentially just means that they'll pass on claims against a 3rd party to ambulance chasing no-win-no-fee solicitors, because they'll do that anyway. If you have a legitimate claim to make against someone then you'll have no trouble finding a bunch of shysters yourself.

And in the result of a claim being made against you, your insurer already has a vested interest in putting blame on the other party or negotiating the amount of the claim down.

So I'm not really sure what your chumrade thinks he's bought for his "legal cover" premium. If it's an agreed sum of money that he controls and can choose to pay to solicitors to pursue a quixotic claim where nobody else will touch it on a no-win-no-fee basis, then great, but again, read the small print, not the headline. What he believes that he's bought and what he'll actually receive may be only tenuously related.
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GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike
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