Added pillion cover

Cyclingbiker · Spanner Monkey Joined: 05 Aug 2012 Karma :

Just decided that since I have passed my mod 2 I should enjoy my new found freedoms that come with a full licence. I rang up my insurance company (CIA) earlier to inquire about adding it to my current policy, I was expected a few quid added to my monthly premium, and I had it added with extra cost, BONUS!

Also updated my file to include my full licence and asked about possibly changing my bike in the near future to something closer to 33bhp. They said it is definitely possible and to look into it closer to the time, sometime early next year hopefully.

the pillion cover is for my CG 125, not the ideal bike for carrying passengers but it could come in handy someday and for no extra cost there is nothing lost if I never use it. Now just to find someone adventurous/stupid enough to sit on the back with me riding, no takers so far with my immediate family Laughing

Notj7 · Brolly Dolly Joined: 24 Aug 2008 Karma :

I ALWAYS say I want Pillion cover. It should be standard really, and it's never cost more for it included for me either.
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Left the forum.

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Your pillion is always "covered" (as a 3rd party), all you've done is tell them about a perfectly normal risk factor that should be the default assumption.

Good on them for not raping you over it, although it's a sad state of affairs when we've apparently come to believe that it's something that we need to "add". You don't add "passenger cover" to cars.
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Biking is 1/20th as dangerous as horse riding.
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

Joncrete Cungle · World Chat Champion Joined: 31 Jan 2012 Karma :

krarkol · World Chat Champion Joined: 17 Oct 2012 Karma :

Another unnecessary addition for insurers to possibly get more money.

If the bike is already set up with pillion seat and pegs for when you take one, then I don't see why they are able to ask for us to tick a box that may in some cases make the premium go up.

The MOT guidelines say if it has a pillion seat then it requires pegs. Most testers overlook it but it is in the guidelines.

If my bike and licence allows me to legally carry pillions, just as a car with more than just the drivers seat allows you to take passengers then I don't see why extra cover should be required.

It doesn't cost me any more to have it ticked though so I do tick it just in case, insurers seem to get away with everything these days.
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Bandit 600 - deaded

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

reed · Nearly there... Joined: 28 Oct 2012 Karma :

From what i have read, you do not need any pillion cover in order to carry a pillion, a third party (your insurance comapny) cannot alter or change your licence entitlment. You are entitled to take pillions on a full licence and so this can not be taken away by not ticking a box
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Generic XOR 50, Gilera SMT 50, GSXR 400 GK73A, Ducati Monster 600, Honda Hornet 600.
Sold. Stolen. Written off. Sold. Current.

rinckley · Two Stroke Sniffer Joined: 22 Mar 2012 Karma :

So do you have to have pillion cover on your insurance to take a pillion or can you take one without it and they're just not covered?
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Mod 1 & Mod 2: Passed October 2012
Bike: Suzuki SV650

natefz6 · Brolly Dolly Joined: 06 Apr 2005 Karma :

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

reed · Nearly there... Joined: 28 Oct 2012 Karma :

I have taken a pillion several times with no issues Smile

however I also do 999 miles a year and use my bike for pleasure only Wink

to be fair I consider most rides to work and college to be pleasure Cool

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Generic XOR 50, Gilera SMT 50, GSXR 400 GK73A, Ducati Monster 600, Honda Hornet 600.
Sold. Stolen. Written off. Sold. Current.

covent.gardens · World Clap Champion Joined: 09 Jun 2012 Karma :

reed · Nearly there... Joined: 28 Oct 2012 Karma :

From the quotes I got it was cheapest to say under 1000 miles
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Generic XOR 50, Gilera SMT 50, GSXR 400 GK73A, Ducati Monster 600, Honda Hornet 600.
Sold. Stolen. Written off. Sold. Current.

Screw Loose · Scooby Slapper Joined: 09 Feb 2012 Karma :

Although it is discriminatory (as is all insurance), it does make somewhat sense, a passenger would struggle to 'fall off' a car unless it was due to their own stupidity, as a rider you have somebody else's life entirely in your hands.

That's my opinion anyway,

VehoDiscovery

Joncrete Cungle · World Chat Champion Joined: 31 Jan 2012 Karma :

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

TheSmiler · World Chat Champion Joined: 14 Apr 2011 Karma :

krarkol · World Chat Champion Joined: 17 Oct 2012 Karma :

Well they are actually changing it in a way for young car drivers now aren't they. No passengers unless immediate family or something alone those lines Laughing

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Bandit 600 - deaded

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

That's the ABI fantasy, but I can't see it getting much traction with the current load of clowns in charge.
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Biking is 1/20th as dangerous as horse riding.
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

Alpha-9 · Super Spammer Joined: 19 Jan 2012 Karma :

I find it strange you can put pillion insurance when you're on a provisional license and can't legally carry pillions, If you're insured to have them and took a passenger you could argue insurance said you could insure a pillion so you thought it was legal

I've spoke to them a couple of times about my policy and they've asked if I have pillion insurance to which i've said no, I can't legally carry passengers and they're like oh right okay then as if they didn't know that Confused

But yes, would be nice when you need a lift, would be lol on a cg
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Fzr-600 1999

arry · Super Spammer Joined: 03 Jan 2009 Karma :

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

That's interesting background, but it's ancient history. We can't get quotes from the past.

Today, Aviva won't offer quotes on any "sportsbikes" (according to their comically inept definition) unless you agree not to take a pillion. Sounds like "fcning stopping me taking fcuking pillions" to me.

That's not a discount, it's not saving anyone except them money, and it's certainly not for our benefit.

Now, correct me if I'm wrong, but aren't Aviva the UK's biggest insurer?

And based on their response to MCN about it, I don't think "Because fuck you, bikers, that's why" is particularly hyperbolic. Wink

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Biking is 1/20th as dangerous as horse riding.
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

arry · Super Spammer Joined: 03 Jan 2009 Karma :

krarkol · World Chat Champion Joined: 17 Oct 2012 Karma :

I can sort of see where arry is coming from.

We look at it like "oh they've charged me extra for adding pillion cover" but depending on how you look at it, they could have just discounted it from the price you are quoted for excluding pillion cover.
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Bandit 600 - deaded

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Oh, I'm happy to tick the "Lone wolf untamed rebel" box and get my, uh, "discount".

But the UK's largest insurer isn't even giving that as an option on many bikes, for anybody. Anyone who ever takes a pillion might find that worrying. Yes, that's a slippery slope argument, but it's not comparing apples to bad analogies.
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Biking is 1/20th as dangerous as horse riding.
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