Quick insurance question ?

[new001]

To fill in the blanks Im riding a ybr125 on cbt and have Rac bike insurance.On the policy I put my annual milege as 3k miles now what happens if I exceed this by 1-2k do I have to tell them,how would they find out if I change ins company when it expires ?

If I get a full motorcycle license from just cbt do I have to tell my insurance this which they will ask for a 40 quid admin fee probably to make the change or wait the remaing few months until the insurance expires ?


Cheers

[SQL]

If you crash they can probably void your insurance, but if you bin it "Lose" the clocks.

[wots]

This is the odd thing with this question.

You declare the amount of mileage you expect you will do, they don't take a mileage reading from you, so it's a bit pointless really. As they have no way of verifying the amount of mileage you have done in that insured period.
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Currently: Yamaha DT 125 LC2,Repsol Fireblade, and Bumblebee MSX 125

[DrSnoosnoo]

This is a strange one and I've never been honest because I don't even know!

Never been asked for readings or known anyone to be asked after a claim
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I'm Sam; Northern, Ginger, Lover
Did have: '95 ZZR600 '83 CG125 '97 ZZR1100 '15 Hypermotard 821 SP Do Have: '10 ZX10R

[Clutchy]

Don't tell them, why should you? How will they check your millage, MOT certs? Clock readings, simple reply is 'I do track days or drive on private roads a lot'.

With regards to license change and admin fee's, I emailed them saying hypothetically I've passed my test ( I had). I've seen your stupid admit fee;s and certainly do not want to change or amend my policy, so could you please just make a note of it for sake's sake. They said yes there will be no charge.
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Malaguti F12 Phantom-Dead, Suzuki AY50- Dead, NRG power DD LQ, CBR125.
*33 BHP restriction up on 10/12/14* Current bikes/car: SV 650 S/ MKIV GOLF
Guide to pass your test with no lessons!

[red5]

If the've not asked for your mileage when you took out the policy I would'nt worry. Just make sure you state a higher annual mileage when you renew your insurance.

[Polarbear]

My car is about 2000 miles over the agreed mileage I honestly can't remember if I gave them a mileometer reading but I have a sneaky suspicion I did. I might be changing insurers when it's due.

My bike insurance has a 5000 miles limit. But I have 2 bikes on that policy. Is that 2500 each or what?

Actually it doesn't matter as they never asked me for the mileometer reading of either.
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Victory Cross Country American tractor.

[tom_m]

I too ride a ybr, my policy says i do 3,000 miles a year.
Im just over 8 months into my policy and just about to hit 10,000 miles.
Youre mot history will prove youre mileage, and if you have an accident youre insurance could ask for this to calculate your mileage (they did this with my mate).

But if youre like me, then the clocks on your bike stopped working so you changed them with some second hand ones from a motorcycle breakers with higher mileage
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Current: 2005 Kawasaki Er-5 C5P
Past: 2012 Yamaha Ybr 125, 2004 Yamaha Neos 50, 1994 Suzuki Gn 125, 2005 Aprilia Sportcity 125, 1988 Yamaha Tzr 125
Theory: Passed... Mod 1: Passed 22/08/12 Mod 2: Passed 22/10/12

[Clutchy]

[stuarthouston]

[martys0uth]

But what if you just say...

"i bought new clocks from ebay"

How can they prove they are the genuine clocks and not some clocks that were like 50K miles over what your old ones were??
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Mod 2: passed 2 days before the 19th deadline (phew!!)

[Rogerborg]

NO.

You're not that New, you've seen what happens to honest customers when they disclose everything.

If you have a 3rd party claim, they have to pay out to them and there's no realistic chance of them trying to recover that from you through a court. They may ask you for a few £££ more in extra premium, is all.

If the bike gets nicked, then there goes the evidence. If it's recovered before they pay out, then it's recovered. If they pay out before it's recovered, then it's their bike and their problem, and again they're looking at a day in court to get any money back.

Forget it. If you're risk averse, don't ride a bike.
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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

[bhinso]

I've always found that question a bit strange, on cars and bikes. It makes quite a difference to your premium too, if you try changing it. If you were over the mileage limit, what is to stop you from saying someone else has been riding it, e.g. parents, spouse, etc if they are covered on fully comp insurance.

[Vracktal]