"Drive/Ride other vehicles" policies

[Tarmacsurfer]

Something Itchy said in another thread got me thinking. How many of the regulars here have policies without coverage for other vehicles? It's one of the first things I check in a quote, not that I use the feature all that much but it's tremendously useful on occasion and to be honest I hadn't realised it was actually that rare.

I did laugh when the insurance docs for the Reliant came through though, seeing as most companies seem confused by the license structures surrounding them then it covers me TPO for any vehicle I hold the correct license to drive
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I'm immortal. Well, so far.

[Trixie]

This is an important thing for me too, as I do get the chance to ride other bikes. I know Bennetts across the board do not offer this as an option, and it was this that stopped me from taking out a policy with them, even though they were quite a bit cheaper (<£100).
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Dead nobodies in company cars...

[Kickstart]

Hi

I have it (Motorcycle Direct), and would not have a policy without it.

I was with Bennets. They lost my business by not having that cover. Wouldn't matter if they were half the price. Similarly Ebike.

All the best

Keith
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[fredsredhat]

yup i wouldn't have a policy without it.

[Swipe]

I dont know anyone else with a bike so not a requirement for me.
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[Fisty]

im with bike sure, they added that and protected no claims when they couldnt match a quote from bennets.
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TL1000R | Hayabusa | ZXR400 | TL1000S | Bandit 400 V
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[SonicTheHedge...]

Another "Motorcycle Direct"er and yes, ditto.
Wouldn't want a policy without it - whilst I've never needed it in anger it's useful to have in the toolkit, as it were.

Insurers in general take my money each year and I've not got anything back directly for it yet, so a little flex in their policies is welcome.
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Previous: '00 G2 Bandit 600 Naked. Now: '08 BMW GS Adventure.

[Stelmer]

I have it for my car. Will definatley get it included on bike insurance.

Just one pointer, DOV on TPO is usually included on Fully Comp insurance. You are somewhat lucky if you get it on TPFT and TPO.

[instigator]

I had a policy through H&R Insurance which did not include riding other vehicles. I assumed it came with third party cover on all bikes but once the paperwork came through, I found out it didn't.

So after the first month, I didn't bother sending any documents and it cancelled itself. I am with Carole Nash now and it's included.

[Diggs]

Mine's TPFT with Carole Nash and includes it. Wouldn't be without it, as it means mates and I can swap bikes...
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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...

[Im-a-Ridah]

Does the other bike you want to ride have to be insured for you to ride it under your "riding other bikes" policy?

Because if not, couldn't you simply get x number of bikes, insure 1 and ride the rest (obviously they would have to be lower cc ect as is most likely stipuled in the policy)?

[Kickstart]

[Trixie]

[Pete.]

[Pete.]

What tarmacsurfer says in his first post is also the case for my car insurance policy - it states I may also drive any other vehicle that I'm licensed for (not owned by me). I guess this must also mean motorcycles.
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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

[True Blue]

I was with Westhill insurance a while back and had this cover on TPFT as standard, which was good I have asked various insurance companies about the need to have the other bike insured and they all basically said no. They never did seem that sure about it though.
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Past >>>> Honda NSR 125 >>>> Suzuki GSXR 600 K1 >>>> Suzuki GSXR 600 K4 >>>>Kawasaki Z1000 DAF >>>>Suzuki RMZ 250 >>>> Current >>>> KTM Superduke R 1290 >>>>

[Pete.]

I wouldn't take them on their word and risk 6 points for an IN10
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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

[True Blue]

One insurance company actually said that if I left the bike unattended, I could get charged with having no insurance. Though, how they could pin that on me is anybodys guess.
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Past >>>> Honda NSR 125 >>>> Suzuki GSXR 600 K1 >>>> Suzuki GSXR 600 K4 >>>>Kawasaki Z1000 DAF >>>>Suzuki RMZ 250 >>>> Current >>>> KTM Superduke R 1290 >>>>

[NSR Mick]

From what I've gathered over the years most companies include it on all policies insuring a bike of 400cc and over. (meaning I've not got it at the moment) although my car insurance does as it states other "vehicles that I'm licensed to drive" not specificaly cars.
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If you dont like the way that I ride.......Stop trying to keep up!!!

[Rhys]

Motorcycle direct have almost matched my bennetts quote online... I've looked through their online policy doc but cant seem to find out, does anyone with motorcycle direct know if riding other bikes is included as "standard"? I'll only forget to ring them and ask tommorow...
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[SonicTheHedge...]

[NSR Mick]

I have always been wary about using it though.
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If you dont like the way that I ride.......Stop trying to keep up!!!

[Kickstart]

[krebsy]

have it for the car and for the bike. The funny thing is though that my third party cover for other vehicles bit of the bike policy doesn't cover me for anything under 351CC, which I think is a bit odd. Surely it should be for any bike. I can ride a Triumph rocket but not a CG125?

K.
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1280 x 1024.

[Dazbo666]

I don't have any unneccessary "extras" on the bike policy (via Bennetts ), just so that I can keep my premium low, and start building my no claims.
I'm down as a named driver on the OH's car policy though
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