car/bike insurance

Ant · World Chat Champion Joined: 24 Feb 2003 Karma :

on my car ive fot cover on any car/bike not belonging to me on third party risk and im been quoted £900ish third party on a zzr600 in my name so do you reckon its worth puttin the bike in my girlfriends or dads name to avoid payin the £900

i know i wont build up any no-claims on the bike but as i get older itll come down a bit any way and the only other problem i can see is gettin tax in 12mths time

also if i dnt cancell my nsr insurance by then ill have 1 years no claims.

do you think this is worth doing? and has anyone else done it?

TiN · Pocket Tin Joined: 14 Feb 2002 Karma :

Does your girlfriend or dad (I assume that they're different people Razz

) actually have full motorcycle licences? If they don't, then that idea can go straight out of the window. You'll also have to make sure that the V5 has your girfriend's/dad's details on it.

I think that it is regarded as insurance fraud, but only if you get caught/make a claim, and really isn't worth it in the long run.
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Bendy · Mrs Sensible Joined: 10 Jun 2002 Karma :

Are you sure the car insurance covers bikes too? I've never seen that before.

Ant · World Chat Champion Joined: 24 Feb 2003 Karma :

my dads got a full licence, and my policy does cover me on bikes too
(im with c.i.s)

either that or ill try and find something a bit smaller!

TiN · Pocket Tin Joined: 14 Feb 2002 Karma :

Why don't you get a quote with you as a named rider on your dad's policy? Slightly safer than relying on the car cover, but is still legally dodgy (but common practice).
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Ste · Not Work Safe Joined: 01 Sep 2002 Karma :

If you have your bike, which you are riding, insured with your dad as the policy holder, and you as a named rider, and in reality it is only you riding it, then that is illegal. However, if he is the policy holder, and you are the main rider, then that is not illegal.

Still works out cheaper than the policy being in your name, but you do not build up a no claims.

Ant · World Chat Champion Joined: 24 Feb 2003 Karma :

both of my dads bikes are on a classic policy(dunno if it makes a difference) plus i dont really want to risk loosing my dads no claims!

TiN · Pocket Tin Joined: 14 Feb 2002 Karma :

You won't risk his no-claims if he starts a fresh policy, although that would obviously make things a little more expensive.
But if he has full no claims, then he should be able to protect it for one claim.
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Kickstart · The Oracle Joined: 04 Feb 2002 Karma :

Hi

Some car policies do cover you to ride bikes (look for wording that you are covered to ride other vehicles). However you are only covered to ride a bike that is insured in someone elses name, and they are still going to have to get it taxed.

Although you can get away with being a names rider, if you get caught out then the insurance company will get quite arsey. Neighbours bought a cheap car which was insured to be used by the 2 sons. One of them wrote it off into the front of a car going the other way. The insurance company were quite nosey before they paid out.

Furthermore, some companies will only insure you with a few years no claims, which is something to think about for the future

All the best

Keith
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