Insurance: 'riding other bikes' question

[Gixxi1]

Say my uncle insures himself on bike A with them 30 yrs NCB. I insure myself on bike B that is much less powerful and much less expensive and that has 'riding other bikes' included in the policy. I leave bike B in the garage and ride bike A most of the time. I also have a full unrestricted A license. All cool?

[Ste]

All is cool unless you find yourself needing to claim.

[Gixxi1]

Why is that?

[Ste]

Because insurance fronting.

[arry]

[Pete.]

This is what killed off the rider policy. Fronting is illegal so mind you don't get caught out = possible jail time for fraud. 3rd party only cover, so if you wreck it you lose it. Also if you get caught with a bald tyre/dodgy brakes/other C&U problems your uncle gets done for permitting.
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[arry]

[Pete.]

[arry]

[thx1138]

[Pete.]

Rider policies were done by CC, so you could insure an old clanker for peanuts and ride your 'mates' gpz750 turbo on that policy.
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[Polarbear]

Yes. I always had a rider policy back the 80's. My 'main' bike a BSA Starfire, my other bike an FJ1200.

Naughty me.
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Triumph Trophy Launch Edition

[Diggs]

Don't know if I've missed the point here, but you can get policies that allow you to ride other people's bikes and cover you for accidental damage in case you bin it.
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Now - Speed Triple, old ratty GS550, GSXR750M
Gone (in order of ownership) - Raleigh Runabout, AP50, KH125, GP125, KH250, CBX550, Z400, CB750FII, 250LC, GS550, ZXR750H1, Guzzi Targa, GSX750F, KH250 x2, Bimota SB6R and counting...

[Pete.]

[Amber Phoenix]

[Val]

[staffo]

My carole nash policy has a ride other bikes bit. As long as the other bike is fully comp insured I can ride it, with the catch being there's £700 excess if its binned.
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Daytona 675R Road - 5EB R6 Track sold
15:58:19 Ste: your spelling it worse than a retards.
15:58:23 Ste: *is

[Rogerborg]

[staffo]

Its not third party. Im fully comp on other bikes, by carole nash, as long as the other bike is also insured (with whoever). The claim would be through carole nash, and i would pay the £700 excess.

https://www.carolenash.com/rider-cover

As long as you have the owner’s permission, you can ride any bike1. In addition to Rider Cover1 which gives you FREE accidental damage cover when riding other bikes

1 Rider Cover: Both bikes must have comprehensive cover, terms and conditions apply - carolenash.com/rider-terms-and-conditions.
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Daytona 675R Road - 5EB R6 Track sold
15:58:19 Ste: your spelling it worse than a retards.
15:58:23 Ste: *is

[Rogerborg]

Hmm, interesting, it does indeed cover accidental or malicious damaged or vandalism but not fire, theft or attempted theft (yeah, that was vandalism, that was).

https://www.carolenash.com/rider-terms-and-conditions

The excess is currently £750 and it'll be interesting to see what would happen when both underwriters start wrangling over who actually covers the damage.

Thing is, if you borrow my bike and bin it, you owe me the full cost of repairs. Here's the bill. Pay it, in full, I don't care how. Don't start talking about "excess", that's of no interest to me.

Under those circumstances, you're £750 down if you rely on this "comprehensive" cover. Wouldn't you rather that your insurers considered me a third party and fully indemnified you?[*]

One might almost suppose that they've forseen this possibility and are actually offering a lesser degree of cover that reduces their liability. While marketing it as extra cover.

[*] RTA 1988 S145 (4) (c) may let them off the hook. Or it may not.
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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

[Ste]

And it doesn't cover commuting.

Oh, and no bikes that have previously been written off.

[JP7]

Bikesure also appears to allow Riding Other Bikes on a fully comp basis, if you pay them £29.99 to upgrade from the standard third party cover. I noticed it in my renewal paperwork.

[Copycat73]

[tinkerman]

Firstly your uncle has declared himself as the main user so the policy reflects that, by you becoming the main user your uncle has made a false declaration therefore his insurance company is within its rights to suspend or cancel his policy, any accident even if its not your fault could mean that the insurance could decide that its not going to pay for the damage to be put right because a false declaration has been made.

Secondly, your policy premium is based on numerous things, but the main ones are the value & power of the bike declared on your insurance certificate and your experience. You have insurance for a bike which is of a lower power, maybe of a different value therefore replacement and repair costs are likely to be lower, and the 3rd factor being the possibility of your having an accident is dependant on the power of your machine. (you don't have a complete wipe out on a motorway at 80mph on a 125cc bike).
Your policy is only for you and a bike with the power output of the one you declared on the policy, riding something with more power on your policy isn't allowed even with the owners consent, if you were stopped by the police and they investigated your insurance they can and probably will state you are riding without insurance and you will get prosecuted accordingly, your next insurance quote after this happening is likely to be astronomical.

[Rogerborg]