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st3v3
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Joined: 16 Oct 2006
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PostPosted: 07:31 - 22 May 2009    Post subject: Insurance question Reply with quote
If you take out insurance but don't tick the 'add pillion cover' option.... Then carry a pillion can the police etc tell? what's the consequence?

BTW, I have not done this and do not want to do this, it's pure curiousty as to why the one little box ticked put's the whole premium up a load. Crying or Very sad
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Kwaks
I'm not a fast rider



Joined: 28 Jan 2006
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PostPosted: 09:14 - 22 May 2009    Post subject: Reply with quote
police prob cant tell unless they contact insurance company, loads ins because pillion can claim if you crash
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trevoriv
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Joined: 04 Jun 2005
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PostPosted: 09:19 - 22 May 2009    Post subject: Reply with quote
They can't tell but if dor some reason they supected you didnt have the cover (not sure how or why they would) then they could ring the insurance company and check and then you'd be in bother.

The big trouble would be in the event of an accident and the pillion was injured your likely to get an IN10 conviction for not having the proper insurance and the insurance company would void your policy leaving you unable to claim for any damages. AND if the insurance company was really nasty they could try and claim back any of the pillions injury payments from you via the courts although this is pretty unlikely.
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ms51ves3
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PostPosted: 09:23 - 22 May 2009    Post subject: Reply with quote
Just another scam.

You don't have to pay extra money to take passengers in your car Rolling Eyes
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MarJay
But it's British!



Joined: 15 Sep 2003
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PostPosted: 09:45 - 22 May 2009    Post subject: Reply with quote
ms51ves3 wrote:
Just another scam.

You don't have to pay extra money to take passengers in your car Rolling Eyes


Yes you do, its called Fully Comprehensive. There is some argument about whether or not passengers are covered by third party fire and theft cover. I personally think they are, others I've spoken to think they technically aren't.

Still, its not a scam because the highest payouts for bike crashes are always to the pillion passenger because more often than not they are injured worse than the rider. All the insurance company are doing is allowing you to say you won't take pillions. I never take pillions for example, and so it benefits me. The default level of cover used to include pillions, so actually they are just offering you an option to lower your premium.

Its not a scam, far from it.
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Aka Matt
Trackday Trickster



Joined: 15 Feb 2008
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PostPosted: 10:02 - 22 May 2009    Post subject: Reply with quote
When I took out my insurance I was told that there was no need for this so called pillion cover and that the third party cover covers the pillion in event of an accident. But then again I guess it depends who you go with....
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Paulington
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Joined: 11 Mar 2009
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PostPosted: 10:21 - 22 May 2009    Post subject: Reply with quote
Pillion cover for my new bike insurance adds about £5. Thumbs Up
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trevoriv
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Joined: 04 Jun 2005
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PostPosted: 11:04 - 22 May 2009    Post subject: Reply with quote
Evil Dude UK wrote:
When I took out my insurance I was told that there was no need for this so called pillion cover and that the third party cover covers the pillion in event of an accident. But then again I guess it depends who you go with....


Technically yes the pillion is covered regardless however if you carry pillions and knowingly tick the box on your insurance that says you don't then that's fraud.
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Fawbish
World Chat Champion



Joined: 27 Jan 2006
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PostPosted: 11:33 - 22 May 2009    Post subject: Reply with quote
Paulington wrote:
Pillion cover for my new bike insurance adds about £5. Thumbs Up


You have a full licence?
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s44678
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PostPosted: 11:46 - 22 May 2009    Post subject: Reply with quote
Paulington wrote:
Pillion cover for my new bike insurance adds about £5. Thumbs Up


They probably know you can't carry one legally on your current licence, so there's no extra risk to them but "we'll have a 5er off you anyway". Laughing
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Kickstart
The Oracle



Joined: 04 Feb 2002
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PostPosted: 12:01 - 22 May 2009    Post subject: Reply with quote
MarJay wrote:
Yes you do, its called Fully Comprehensive. There is some argument about whether or not passengers are covered by third party fire and theft cover. I personally think they are, others I've spoken to think they technically aren't.


Passengers are third parties and so must be covered by the insurance company.

All the best

Keith
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st3v3
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Joined: 16 Oct 2006
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PostPosted: 12:28 - 22 May 2009    Post subject: Reply with quote
Well then, I'll have to not take pillions or shell out for it.

I know il crash in the future, I know il carry pillions just can't guarantee I won't combine the two although I hope not.
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Mr Nice Guy
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Joined: 18 Jul 2007
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PostPosted: 15:53 - 22 May 2009    Post subject: Reply with quote
CHR15 wrote:
i ticked pillion cover on my insurance and it didnt make it go any more expensive?? odd Confused



Same Thumbs Up
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arry
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Joined: 03 Jan 2009
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PostPosted: 15:59 - 22 May 2009    Post subject: Reply with quote
MarJay wrote:

Yes you do, its called Fully Comprehensive. There is some argument about whether or not passengers are covered by third party fire and theft cover. I personally think they are, others I've spoken to think they technically aren't.


Nope, they are covered - motor insurance provides unlimited liability for third party injury.

Quote:
Still, its not a scam because the highest payouts for bike crashes are always to the pillion passenger because more often than not they are injured worse than the rider. All the insurance company are doing is allowing you to say you won't take pillions. I never take pillions for example, and so it benefits me. The default level of cover used to include pillions, so actually they are just offering you an option to lower your premium.

Its not a scam, far from it.


Absolutely. The reason they DON'T offer a DISCOUNT for not taking passengers in cars as it's highly unlikely that anyone is going to have a 5 seater car and not take passengers.
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Chriss
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Joined: 07 May 2005
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PostPosted: 19:38 - 22 May 2009    Post subject: Reply with quote
arry wrote:
motor insurance provides unlimited liability for third party injury.


Actually it's limited to about £20M on average now.
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Paulington
World Chat Champion



Joined: 11 Mar 2009
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PostPosted: 20:14 - 22 May 2009    Post subject: Reply with quote
skluff wrote:
Paulington wrote:
Pillion cover for my new bike insurance adds about £5. Thumbs Up


They probably know you can't carry one legally on your current licence, so there's no extra risk to them but "we'll have a 5er off you anyway". Laughing

I got a quote for straight after I pass my test for the D600, £1.1k, with Pillion Cover it was almost no different.
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arry
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Joined: 03 Jan 2009
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PostPosted: 08:38 - 23 May 2009    Post subject: Reply with quote
Chriss wrote:

Actually it's limited to about £20M on average now.


How so, where's that come from? If it is, good - it'll save me negotiating £66million quid's worth of treaty in a couple of months time....
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st3v3
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Joined: 16 Oct 2006
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PostPosted: 10:02 - 23 May 2009    Post subject: Reply with quote
Another thing, if you buy a bike, get insured and pick it up, ride it home and get stopped it's all well and good explaining you just bought it from the guy down the road but in most cases you'd get a producer, no?

What if your licence doesn't show bike entitlement?

I lost my new one when it came though but kept my car licence photocard for I.D so I still have it here. I know that won't do for the situation and the turnaround of the DVLA is appauling so I couldn't get one sent within 7 days. what's the fine/points etc for not producing? I have the counterpart which shows full car and (2 year 33bhp restricted)bike entitlement so could I blag it with that?
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MarJay
But it's British!



Joined: 15 Sep 2003
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PostPosted: 10:15 - 23 May 2009    Post subject: Reply with quote
st3v3 wrote:
I lost my new one when it came though but kept my car licence photocard for I.D so I still have it here. I know that won't do for the situation and the turnaround of the DVLA is appauling so I couldn't get one sent within 7 days. what's the fine/points etc for not producing? I have the counterpart which shows full car and (2 year 33bhp restricted)bike entitlement so could I blag it with that?


I was told that I didn't need t apply for a new license once the restriction was up. It just became an A license.
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Clanger
Stirrer



Joined: 27 May 2004
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PostPosted: 10:36 - 23 May 2009    Post subject: Reply with quote
I don't actually remember seeing that option on any insurance form, but then I do usually do it online, and my bike has been modded to single seater anyway!!!
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The Wobbly Orange
Brolly Dolly



Joined: 16 Aug 2005
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PostPosted: 10:37 - 23 May 2009    Post subject: Reply with quote
On my insurance i have excluded pillions but if i crash while carrying one their liability is the minimum required by law and my excess jumps £200
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trevoriv
World Chat Champion



Joined: 04 Jun 2005
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PostPosted: 13:39 - 23 May 2009    Post subject: Reply with quote
Chriss wrote:
arry wrote:
motor insurance provides unlimited liability for third party injury.


Actually it's limited to about £20M on average now.


That would be TPPD (third party property damage).
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Wafer_Thin_Ham
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Joined: 18 Nov 2005
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PostPosted: 14:31 - 23 May 2009    Post subject: Reply with quote
MarJay wrote:

I was told that I didn't need t apply for a new license once the restriction was up. It just became an A license.


+1

I was told I didn't need to send it off. Mine still has the <25kw on it.
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