Insuring bikes you can't ride

[Albigularis]

So I'm curious to see why this happens and what people think of it.

I decided to check some quotes out with MCE just to see what would happen. I can insure anything with them on an A2 licence. I tried a GSXR 600, 750 and finally 1000. They'd insure me on all of them, albeit the last two are expensive, so this makes me wonder why they're doing so? Even if I were to restrict it, and binned it, the claim would surely be invalid due to me not being allowed to ride it? So are they purely insuring it because they can make money from invalid claims? Seems a bit funny to me that there's nothing in the FCA stopping them from doing this...

Has anyone had to deal with a claim on a basis like this?
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Biking history so far-
Aprilia RS125 - Kawasaki ZXR400 - Triumph Street Triple R - Suzuki GSXR1000 L3 - BMW R1200GS - Kawasaki Z1000 - Kawasaki ZX10R C1H - Ducati Multistrada 1200 S Touring - Suzuki Hayabusa

[arry]

There's no reason other than laziness to code in the right decline rules into various software houses - and a bit of manipulation of decline rate stats by aggregators which can have financial penalties for insurers so best not fall foul.

There's absolutely no advantage of insuring anyone on a bike they can't ride in respect of throwing out claims - in fact in costs it's a huge implication.

It's totally for the customer to ensure that they have a valid licence for the vehicle being proposed. The insurer 'accepting' the risk would not be any mitigation in respect of riding otherwise in accordance and without insurance.

The contract is very specific - 'provided that the policyholder has a licence to ride the vehicle'

[MC]

How would they know every bike you can and cannot ride, when it even varies between model years?

MCE don't ask for a copy of your license or proof of no claims, so you could get away with it, so long as you didn't need to make a claim.
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Yamaha MT-03 '08 (crashed)
Honda XR-125L '04

[Rogerborg]

[Albigularis]

[Tamsin]

I'm curious as to what you think FCA stands for as its proper meaning makes no sense in terms of your post...

[arry]

Wouldn't be covered. It's not specific to just 'road risks' so to speak.

[Albigularis]

[MC]

I asked the same question about insurers not checking licenses/NCB until you had an accident.

I think every told me to shut up whilst arry lit a cigar.

https://www.returnofkings.com/wp-content/uploads/2014/01/businessman_cigar_money.jpg
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Yamaha MT-03 '08 (crashed)
Honda XR-125L '04

[Tamsin]

Correct, but

[dydey90]

[Thorn]

[1198]

Could a lot of this be insuring for when you pass your test, so you're ready to roll?

[MC]

[iooi]

[Thorn]

[Albigularis]

[arry]

I may need to rethink my answer. Haven't time at the moment but when I do I'll have a close look at some docs

[dydey90]

Surely there must be some way of insuring it, as it must be insured somehow and if it's just sat in a garage then it's not covered by home insurance, as it's a vehicle.
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This post is probably not serious and shouldn't be taken literally.
Past: CBR125,ER6f NINJA 650, ZZR600 Current: VFR750

[MC]