New bike

[Polarbear]

Await arry
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Triumph Trophy Launch Edition

[FirebladeRuss]

I can't help thinking the clause in the BMW PCP contract was aimed more at emphasising people can't just go selling or using the car somehow as collateral until they finished monthly payments and have either settled or sorted out the balloon payment at the end.

If you called up BMW Finance after the warranty had expired, but whilst you were still on monthly payments and tell them that as they legally own the car and something is broken, they need to fix it - they'd tell you to do one.
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Twitter is for people who can't STFU even when they're by themselves

[ScaredyCat]

[Rogerborg]

Ownership is a funny old thing in law. Possession may be 90% of it, but if you sign a contract that says you don't own a thing until you've paid for it, I think it's unlikely that a court is going to rule in your favour.

Caveats being that I've still not seen an actual PCP contract, and that you can insure against the loss of things that you don't own. Liability insurance springs to mind.

Amusing thought: you crash your PCP Beemer. Your fully comp insurance tells you to do one because you don't own it.

Get another vehicle, insure it, then park it on the Beemer. "Yeah, I crashed into BMW's bike."

Your 2nd vehicle's 3rd party liability then pays out to BMW, right?

[Alpineandy]

[gbrand42]

This had me thinking so I phoned my insurer today and yes I am covered even though I did not state the bike was on PCP.

Just got this from their FAQ page:

How does PCP impact my Bennetts insurance policy?
In simple terms, it doesn’t. Despite not completely owning the bike until the end of the PCP agreement and all outstanding balances have been settled, Bennetts and our panel of insurers recognise your insurable interest in the bike and treat it as if owned by you.

However, your particular robbing bastard company of choice may differ.
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Yamaha RD50M, Honda C90, Yamaha RS100, Yamaha RD125LC, Honda XL125 V9 Varadero, Honda NT700VA, Honda VFR800X, Honda CRF1000L, Honda ST1300 Pan European

[FirebladeRuss]

Well, now that's cleared up.

When are you picking the new bike up?
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Twitter is for people who can't STFU even when they're by themselves

[Rogerborg]

Be fair, nerding out over insurance minutiae is more interesting than a Crossrunner.
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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

[owl]

watching paint dry is more interesting than a crossrunner

there's a reason it's 0% interest ....
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Observation is the greatest source of wisdom.

[Polarbear]

[FirebladeRuss]

Adventure bikes do seem very popular at present, yet I would imagine most are used for road commuting rather than doing the Paris-Dakar!

They're not my thing I have to admit, but each to their own - and it's always exciting getting a new toy, regardless.

I might consider one if i lived out in the sticks in the Highlands or something.

I must admit, I'm still looking at changing the Blade for something more suited to my needs - either another naked, or a sports tourer. I've experienced the super-sports thing now, and it's been fun and glad I did.
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Twitter is for people who can't STFU even when they're by themselves

[Rogerborg]

They're very sensible choices.
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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

[gbrand42]

Pick it up 1st July.

It's not an adventure bike in my opinion, it has no off-road pretensions. It gives me a riding position that won't cripple my knackered old body after 2 hours.

Not particularly exciting if you need a shit-load of power, but I can have a bit of fun with 105hp hopefully without risking my licence to excess. And trust me, with double the power of the old bike it definitely feels like an upgrade. And I just couldn't entertain the idea of a baby Ewan McBoorman bike

Anyway, each to their own........
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Yamaha RD50M, Honda C90, Yamaha RS100, Yamaha RD125LC, Honda XL125 V9 Varadero, Honda NT700VA, Honda VFR800X, Honda CRF1000L, Honda ST1300 Pan European

[FirebladeRuss]

exactly mate - horses for courses
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Twitter is for people who can't STFU even when they're by themselves