Driving other vehicles from insurance policy

[Silver_Fox]

Does the TPO driving other vehicles clause from your car insurance allow you to ride bikes too? Ie test rides for 2nd hand bikes, or do you need to have a specific bike policy with a similar clause?

If you're buying your first bike you won't yet have insurance and you don't want to buy anything without a test ride

[andyscooter]

Does your policy say other cars or other vehicles

Cars thn no vehicles then maybe
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gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet

[Northern Monkey]

[Silver_Fox]

Good shout. How wonderful the internet is now rather than rifling through paperwork at home. Cars only then. Thanks

So how do people test ride bikes? Specific insurance, or most take the illegal risk?

[Northern Monkey]

[Silver_Fox]

I was thinking private sales/classifieds etc. I don't want anything shiny/expensive as a first bike

[Albigularis]

Privately, most bikes you view will be insured by the current owner. Chances of being pulled = statistically insignificant.

Some sellers will let you take it out as long as you give them the cash in hand whilst riding it. That way if you bin it, it's on you. Some will say you need to be insured on a bike and have "riding other bikes". But you're TPO anyway, so if you bin it trying to do a wheelie round a corner, they're out a bike anyway.
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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

[Rogerborg]

Tricky, ain't it?

It's an offence to let an uninsured rider use your bike, and there's no "knowingly" in there. It's an absolute offence, although "...but he saided..." may work in mitigation.

Not that it's stopped me throwing keys to folk in the past, but smarter sellers than me would tell you to GTFO.

If you're feeling sly, it's not rocket surgery to create and print any "certificate of insurance" saying anything that you like. Sellers aren't going to do a forensic analysis on it. Technically you're exposing them to risk, but it's a tiny, theoretical one.
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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

[Wonko The Sane]

took a mate to buy a bike before I had my license

He phoned up the insurance before hand having got the reg number from the guy selling and insured it in advance with riding other bikes on the policy

Test rode and bought the bike - if he'd not bought it we'd have gone to the next bike and so on or cancelled the insurance again within the 14 days
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Looking to pass your CBT / Bike tests in Bury Lancashire? try www.focusridertraining.co.uk Would recommend.
They're also on Facebook https://www.facebook.com/pages/Focus-Rider-Training/196832923734251

[lihp]

[Albigularis]

[rubyhorse2]

for dealerships, at least from my experience, you cover their excess. Last one i did was £800 on my card to take her out for the day. Cant actually remember them asking to see my licence but it was several years ago.

Best to just ring them and ask.

For private sales, i've had some people who have literally just let me jump on the bike and go ride for 5 mins, obviously either leaving them my bike or the wife

[lihp]

[andyscooter]

I have never test ridden a bike I was buying

Sat on them all but never ridden one

And private sales let the owner ride it first

You can hear engine rattles ect away from the bike better then being on it imo

Only ever let one person test a bike I sold and it was his dad who went on it leaving the 17 year old lad with me (it was a 125)
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gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet