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Sarge-Devil
Nova Slayer



Joined: 06 Apr 2006
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PostPosted: 22:26 - 05 May 2006    Post subject: Urgent !! well to me anyways Reply with quote

I have a friend..a fellow biker ..who needs your help.

He was a biker for the last 15 or so years, but due to him moving house he had to sell his bike...

anyways..he wants to buy another bike..but he needs 1 desperate as his insurance NCD will expire at the end of MAY (valid for 2 years before reset)...and he really would like any bike NON exspencive..or just a log book too keep the insurance NCD valid.


Any help...any bike sat in the garage in bits..etc.

Prefured southern England..

Ta

Steve
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sanchezz_182
Crazy Courier



Joined: 17 Sep 2005
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PostPosted: 22:49 - 05 May 2006    Post subject: Reply with quote

if knowone can help you, what about trying to get a cheap frame with v5 of ebay?
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instigator
Super Spammer



Joined: 19 Oct 2004
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PostPosted: 22:58 - 05 May 2006    Post subject: Reply with quote

Why didn't he just keep insuring the bike he just sold? Rolling Eyes
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MikeH
Brolly Dolly



Joined: 10 Dec 2005
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PostPosted: 23:08 - 05 May 2006    Post subject: Reply with quote

Why not just let him insure yours Steve ?
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Sarge-Devil
Nova Slayer



Joined: 06 Apr 2006
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PostPosted: 00:16 - 06 May 2006    Post subject: Reply with quote

Then i wont get the NCD
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G
The Voice of Reason



Joined: 02 Feb 2002
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PostPosted: 00:40 - 06 May 2006    Post subject: Reply with quote

Two people can insure the same bike.

Presuming he's not going to make a claim (which would get him done, possibly), there shouldn't be a problem.
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Sarge-Devil
Nova Slayer



Joined: 06 Apr 2006
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PostPosted: 01:38 - 06 May 2006    Post subject: Reply with quote

He has been looking on ebay..but now his pc is broken..and i am helping him by asking u good bikers Wink
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bennyboy
Scooby Slapper



Joined: 15 Aug 2005
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PostPosted: 04:28 - 06 May 2006    Post subject: Reply with quote

G wrote:
Two people can insure the same bike.

Presuming he's not going to make a claim (which would get him done, possibly), there shouldn't be a problem.


Nope, 2 people cant insure 1 vehicle due to insurable interest
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G
The Voice of Reason



Joined: 02 Feb 2002
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PostPosted: 10:09 - 06 May 2006    Post subject: Reply with quote

bennyboy wrote:

Nope, 2 people cant insure 1 vehicle due to insurable interest

No, you are wrong.
Two people can insure one vehicle.

If both people try to make for theft or damage, then you can get done.
However if you have TPO cover, that's never going to happen as it only covers the insured person on that policy for third party costs if they have an accident while they are riding the bike, so there can be no conflict of interest.
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paulthewitt
World Chat Champion



Joined: 17 May 2004
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PostPosted: 12:17 - 06 May 2006    Post subject: Reply with quote

it is technically illegal to have 2 insured interests on 1 vehicle....

....that doesnt mean it doesnt happen.....
as long as he doesnt claim, you'll be fine as G said
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G
The Voice of Reason



Joined: 02 Feb 2002
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PostPosted: 12:20 - 06 May 2006    Post subject: Reply with quote

paulthewitt wrote:
it is technically illegal to have 2 insured interests on 1 vehicle....

Can you show me where it says it is illegal to insure a bike TPO that is already insured?

While it's not quite the same, I believe FreshAl's claim was possibly split between two companies (the car driver's who's trailer it was on FC and his bike was FC as well) as he didn't try and claim of both seperately, but informed both of the situation, there wasn't a legal issue with him.
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paulthewitt
World Chat Champion



Joined: 17 May 2004
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PostPosted: 13:57 - 06 May 2006    Post subject: Reply with quote

dunno, just what ive been told (at work, in training. considering im in insurance, i kinda took it as gospel truth)

there is definately some legislation somewhere on home insurance making it illegal. i believe it to be the same on cars, but have never been shown legislation. cannot be bothered to look for it either tbh, as it really isnt THAT important Laughing

Paul
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HermanTheShee...
World Chat Champion



Joined: 01 Apr 2006
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PostPosted: 14:22 - 06 May 2006    Post subject: Reply with quote

Can't he just insure a fictional bike?

I'll be insured on my new bike from tuesday even though I won't have the V5 till Wednesday.

He will never claim on it, and can just transfer it to a real bike when he buys one.
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Sarge-Devil
Nova Slayer



Joined: 06 Apr 2006
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PostPosted: 19:19 - 06 May 2006    Post subject: Reply with quote

We all went abit iff the subject a little Rolling Eyes

He just wanted a real bike..you know one thats not illigal or made up..he would of prefured a V5 and chassis..but now he want a real fully up and running bike..but he can't afford £1000 onwards for the CG125 bikes...i think he will find something..i bet his Mrs will give in ...he was looking at the Triump speed 4s.

Thanks for the info guys...and gals.
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Bendy
Mrs Sensible



Joined: 10 Jun 2002
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PostPosted: 19:23 - 06 May 2006    Post subject: Reply with quote

https://cgi.ebay.co.uk/Puch-Maxi-S-1972_W0QQitemZ4637069700QQcategoryZ122178QQssPageNameZWDVWQQrdZ1QQcmdZViewItem

1972 Puch Maxi, under £100 with 50 mins to go. Wokingham.


https://cgi.ebay.co.uk/1990-TOMOS-A3MS-DISCO-MOPED-AUTO-49cc_W0QQitemZ4635436549QQcategoryZ424QQssPageNameZWDVWQQrdZ1QQcmdZViewItem

Tomos moped, also under a ton and in Wokingham.


I'd just hit ebay, put in your postcode so you sort by distance and fix your budget. Something'll show up.
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GearboxGeezer
World Chat Champion



Joined: 06 Sep 2005
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PostPosted: 21:12 - 06 May 2006    Post subject: Reply with quote

I got a moped im selling, £1600, peugeot xr6 05 model ( Geared 50cc ) but im gessing thats to expensive for him.

Cant he insure your bike, and then put you as the second rider? or dont you get any NCB even lough your riding it...?
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Sarge-Devil
Nova Slayer



Joined: 06 Apr 2006
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PostPosted: 02:23 - 07 May 2006    Post subject: Reply with quote

I think he isnt sure himself..he wants..a bike...but at the moment he is better off just buying a wreck..and insuring it for 1 month or so than sell it on again...lol


He is really itching to get a bike...but he cant justify spending money.. Rolling Eyes ...new kid..new house..£££ exspencive Britain


He needs to sort out what he wants..


Thanks for your help....and if u have an old wreck sat in the garage worth scrap too u..u know where i am Wink
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bennyboy
Scooby Slapper



Joined: 15 Aug 2005
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PostPosted: 03:01 - 07 May 2006    Post subject: Reply with quote

G wrote:
bennyboy wrote:

Nope, 2 people cant insure 1 vehicle due to insurable interest

No, you are wrong.
Two people can insure one vehicle.

If both people try to make for theft or damage, then you can get done.
However if you have TPO cover, that's never going to happen as it only covers the insured person on that policy for third party costs if they have an accident while they are riding the bike, so there can be no conflict of interest.


No, YOU are wrong. Its illegal for more than one person to insure any vehicle.

Tit
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phantomtek
Lil Joe Tek



Joined: 20 May 2005
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PostPosted: 03:33 - 07 May 2006    Post subject: Reply with quote

Then why can people be insured TPO to ride other people's bikes on their insurance? Surely that would be illegal? Then wouldn't the insurance companies not be allowed to offer that?

Confused
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