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Carrying a pillion

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CVSensei
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PostPosted: 10:10 - 13 Mar 2015    Post subject: Carrying a pillion Reply with quote

Can anyone drop any useful titbits on carrying a pillion? I love riding on my own and have never carried anyone before but there is a certain fair maiden I'd love to take for a spin. I didn't tick the box for pillion insurance so was just wondering how it works and roughly how much it costs? As it'll probably just be a one off, (unless it goes really well) can you get daily insurance?

Ta.
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Rogerborg
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PostPosted: 10:43 - 13 Mar 2015    Post subject: Re: Carrying a pillion Reply with quote

CVSensei wrote:
As it'll probably just be a one off, (unless it goes really well) can you get daily insurance?

The admin fee will dwarf the actual cover costs.

Be assured that if you drop it and spazz her, your insurance will put her back together. The issue is whether they then chase you for it - the risk is on you, not her.
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dydey90
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PostPosted: 10:43 - 13 Mar 2015    Post subject: Reply with quote

I asked my insurance about pillion cover and they told me that if you don't have it and you crash while carrying a passenger then you aren't covered. Other people have been told that it doesn't affect cover though. Insurance is a black art.
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andyscooter
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PostPosted: 10:52 - 13 Mar 2015    Post subject: Reply with quote

Its a bit like having passenger cover in the car

You don't reply need it
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Monkeypony
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PostPosted: 10:55 - 13 Mar 2015    Post subject: Reply with quote

The bike will be a bit slower. Allow for this. The bike will also take a bit longer to stop, allow for this too. The bike will be a bit less 'chuckable' when going through bends, so try and set the bike up a little earlier for corners.

Other than that, don't let her get on or off until you tell her, and try not to scare the living piss out of her! Laughing
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arry
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PostPosted: 11:12 - 13 Mar 2015    Post subject: Reply with quote

andyscooter wrote:
Its a bit like having passenger cover in the car

You don't reply need it


Jeez. We're doing this shit again are we.
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CVSensei
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PostPosted: 12:00 - 13 Mar 2015    Post subject: Re: Carrying a pillion Reply with quote

Rogerborg wrote:
The admin fee will dwarf the actual cover costs.

Be assured that if you drop it and spazz her, your insurance will put her back together. The issue is whether they then chase you for it - the risk is on you, not her.



Haha well that's.. Reassuring? Could you give me a ballpark figure of how much that might cost?
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Minty
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PostPosted: 12:03 - 13 Mar 2015    Post subject: Reply with quote

Last time I got a quote, it did not change when I flitted between pillion and non pillion cover.

Admin fee, expect £30 as being an average.

*edit* I am very old though.
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Last edited by Minty on 12:03 - 13 Mar 2015; edited 1 time in total
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CVSensei
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PostPosted: 12:03 - 13 Mar 2015    Post subject: Reply with quote

arry wrote:
andyscooter wrote:
Its a bit like having passenger cover in the car

You don't reply need it


Jeez. We're doing this shit again are we.


Is this a sore subject? I would have thought it would be an obvious idiot move to ride without pillion insurance, for all the reasons riding without regular insurance is a bad call..?
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arry
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PostPosted: 12:03 - 13 Mar 2015    Post subject: Re: Carrying a pillion Reply with quote

CVSensei wrote:

Haha well that's.. Reassuring? Could you give me a ballpark figure of how much that might cost?


You do have your intermediary's terms of business, right?
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Dalemac
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PostPosted: 12:05 - 13 Mar 2015    Post subject: Re: Carrying a pillion Reply with quote

CVSensei wrote:
Rogerborg wrote:
The admin fee will dwarf the actual cover costs.

Be assured that if you drop it and spazz her, your insurance will put her back together. The issue is whether they then chase you for it - the risk is on you, not her.



Haha well that's.. Reassuring? Could you give me a ballpark figure of how much that might cost?


16 million pounds.

Go and ask your bloody insurance company you fool.
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Rogerborg
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PostPosted: 12:05 - 13 Mar 2015    Post subject: Reply with quote

arry wrote:
andyscooter wrote:
Its a bit like having passenger cover in the car

You don't reply need it

Jeez. We're doing this shit again are we.

Apparently.

I'll just say "RTA 1988 S148 (2) (c)", which is typically vaguely worded. Is is meant to refer to the carrying capacity of the vehicle, or by the plain wording, to the number of persons that it is carrying.

I can't see any really relevant cases after Pitts vs Hunt (deceaed), so here be untested dragons.
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Last edited by Rogerborg on 12:10 - 13 Mar 2015; edited 1 time in total
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arry
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PostPosted: 12:08 - 13 Mar 2015    Post subject: Reply with quote

CVSensei wrote:


Is this a sore subject? I would have thought it would be an obvious idiot move to ride without pillion insurance, for all the reasons riding without regular insurance is a bad call..?


It just goes on loop. The Internet has a habit of taking things they don't understand, applying fuzzy logic like 'I would of (sic) thought' rather than actually paying any attention to fact, and bends the truth to fit its own version. Then it becomes gospel. Then people regurgitate it. Loop.

If you want to know the truth of it then a search for pillion under my username will reveal it.
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arry
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PostPosted: 12:14 - 13 Mar 2015    Post subject: Reply with quote

Rogerborg wrote:
so here be untested dragons.


Indeed. I probably should alter 'truth' to 'the latest theory'

Not one I'd fancy testing for sake of a score
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CVSensei
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PostPosted: 12:16 - 13 Mar 2015    Post subject: Re: Carrying a pillion Reply with quote

Dale_Mckeown wrote:
16 million pounds.

Go and ask your bloody insurance company you fool.


I'm not with an insurance company. I have about a week left on my cover with MCE who I will not be dealing with again, on a bike that I am no longer using.

So thanks for your helpful input.

I was actually directing the question to the helpful ladies and gents of BCF who can offer sound advice based on there experiences rather than a salesman on the internet (I work abroad before you tell me to phone them).
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CVSensei
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PostPosted: 12:19 - 13 Mar 2015    Post subject: Reply with quote

arry wrote:
If you want to know the truth of it then a search for pillion under my username will reveal it.


Cheers. Will do Thumbs Up
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wr6133
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PostPosted: 12:19 - 13 Mar 2015    Post subject: Reply with quote

Just make sure she doesn't wear a bra then brake suddenly and often.
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Rogerborg
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PostPosted: 12:21 - 13 Mar 2015    Post subject: Reply with quote

arry wrote:
Rogerborg wrote:
so here be untested dragons.

Indeed. I probably should alter 'truth' to 'the latest theory'
Not one I'd fancy testing for sake of a score

Absolutely.

I wouldn't condone it, any more than I'd - per previous thread - condone minicabbing / pizza delivering on 'social, domestic and pleasure' use. It's a relevant risk factor, disclose it.

However, I wouldn't mind awfully if someone else chose to make an issue of it up to Appeals or higher. Whistle
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Monkeypony
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PostPosted: 12:21 - 13 Mar 2015    Post subject: Reply with quote

On a new policy, pillion cover doesn't seem to make too much difference. It costs me an extra £10 to have it, so I tick the box even though I rarely take a passenger.

What you SHOULD do is a get a fair maiden who rides her own bike. It's the way forward Very Happy
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Dalemac
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PostPosted: 12:37 - 13 Mar 2015    Post subject: Re: Carrying a pillion Reply with quote

CVSensei wrote:

I'm not with an insurance company.
I have about a week left on my cover with MCE who I will not be dealing with again, on a bike that I am no longer using.


So, you are with an insurance company... Thinking

So then get two sets of quotes - identical except for one to have and one not to have pillion cover. Its the only way you will get an accurate figure, each company charges things differently. That's why there is more than 1 insurance company available....

https://www.thebikeinsurer.co.uk

https://www.gocompare.com

https://www.comparethemarket.com/motorbike-insurance

https://www.confused.com/motorbike-insurance

Take your pick, do some quotes, get your answer.
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CVSensei
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PostPosted: 12:41 - 13 Mar 2015    Post subject: Reply with quote

Monkeypony wrote:
On a new policy, pillion cover doesn't seem to make too much difference. It costs me an extra £10 to have it, so I tick the box even though I rarely take a passenger.

What you SHOULD do is a get a fair maiden who rides her own bike. It's the way forward Very Happy


Well I'm hoping she might be tempted after I take her for a blast Wink
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Acemastr
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PostPosted: 12:41 - 13 Mar 2015    Post subject: Reply with quote

dydey90 wrote:
I asked my insurance about pillion cover and they told me that if you don't have it and you crash while carrying a passenger then you aren't covered. Other people have been told that it doesn't affect cover though. Insurance is a black art.


Pillion counts as a third party, insurance will always cover for a third party, as has been said though, they can then come looking to you to repay costs
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Rogerborg
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PostPosted: 12:45 - 13 Mar 2015    Post subject: Reply with quote

CVSensei wrote:
Well I'm hoping she might be tempted after I take her for a blast Wink

Up the back road.
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CVSensei
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PostPosted: 12:50 - 13 Mar 2015    Post subject: Re: Carrying a pillion Reply with quote

Dale_Mckeown wrote:
CVSensei wrote:

I'm not with an insurance company.
I have about a week left on my cover with MCE who I will not be dealing with again, on a bike that I am no longer using.


So, you are with an insurance company... Thinking

So then get two sets of quotes - identical except for one to have and one not to have pillion cover. Its the only way you will get an accurate figure, each company charges things differently. That's why there is more than 1 insurance company available....


I'm not with an insurance company for my new bike and made it clear I wouldn't be using MCE again. Nobody likes a pedant. Middle Finger

Yeah I am aware of how insurance companies work. I will be doing my research and contacting different companies when I'm home.

Is it really that much of a big deal to ask about it beforehand?
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CVSensei
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PostPosted: 12:52 - 13 Mar 2015    Post subject: Reply with quote

Rogerborg wrote:
CVSensei wrote:
Well I'm hoping she might be tempted after I take her for a blast Wink

Up the back road.


Providing it's not to muddy up there..
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