Insurance - letting your friend ride your bike

[kbot]

Wondered how people on the forum have dealt with this.

Got a friend from overseas visiting for a weekend - an experienced rider. I'm happy for him to ride my bike as and when he wants (and when I'm not riding it).

Now I know you can add an additional rider on the insurance, but does anyone know of an insurance company that will allow me to insure my bike so that anyone I allow to ride my bike will be covered without me having to add each individual person separately? It's such a pain in the ass and I have to do it each time I let someone else ride it.

I know for cars, you can basically let friends drive your vehicle and it would be covered by insurance, so why not bikes? I know bikes are inherently more dangerous than cars - but the principle is no different. Anyone could trash a car just as easily as they could a bike.

I'm only concerned about the compulsory 3rd party aspect - don't particularly care about my own bike being trashed.

Any advice / thoughts?

[Kickstart]

Hi

Not sure how common such cover is for cars, but would think there is no real reason it couldn't be available for bikes. However they might well charge the earth for it.

All the best

Keith
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Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing

[Wabby]

My policy states that I can ride anypersons bike TPO aslong as I have their permission and its not for hire or reward.

So basically my own insurance would cover me too ride your bike (aslong as its insured) but TPO only.

If your friend is insured, maybe read his policy wording?
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What restriction?

[chris-red]

[D O G]

[Paulington]

Every single insurance policy I've ever had for bikes besides 1, so, 3 policies has given me "Ride other bikes" without asking for it.

If he doesn't have that, why not just use eBike or something to let him buy a month long policy or add him to your insurance?

You CAN get cover to allow such things, my car cover allows "Any person over 25" to drive it insured, but that's because it's business cover.
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"Four wheels move the body, two wheels move the soul."
Current Vehicles: '89 Kawasaki KDX200, '99 Yamaha XV535, '00 Honda ST1100 Pan-European, '08 Suzuki GSX-R1000, '08 Mitsubishi Lancer GS4 2.0 TDCi, '15 BMW 1 Series 116d Sport Turbo.
CBT: 27/08/08. Theory: 04/09/09. Module 1: 16/09/09. Module 2: 01/10/09.

[hmmmnz]

^^^ how is he going to have insurance??
he is from overseas,


he either have to get him added to your insurace, or he has to get his own policy,

if he doesnt and get pulled over on your bike,
its not him that gets in trouble.. its you,
the police tow the bike and you have to go to court, for allowing him to ride the bike un-insured,
(i found out this the hard way)

so call yopur insurer and add you mate as a named rider,
pretend he is your partner, not just a random off the street
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the humans are dead
I kick arse for the lord
Wiring Diagrams BIDNIP it bitches

[supZ]

[G]

[calyx]

Alternatively you can go to a dealer and note down the reg of a 50cc moped and insure it with ebike on your mates name.
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Boris - London

[calyx]

[0ddball]

[strag]

He's visiting for a weekend, tell him to get a bus
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carbon bling

[supZ]

[calyx]

I tried insuring my bike for courier use with another insurer. They said "insuring the vehicle with us will cancel previous insurance automatically"
Did they fook me?!
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Boris - London

[G]

As above, you can have a bike insured as many times as you need.

Trying to make claims on more than one policy is obviously going to get you in to trouble.
Some (don't know about bikes) insurance also says 'if no other insurance covers you' - for TPO that's not going to be an issue, but for theft say, it's possible there could be a slight argument - but it'd just be over who paid out, not if you get paid.

So, yes, they did do you over.

[kbot]

what a joke - having called around so far, most insurers won't even let you insure someone for a day or a weekend.

Then some that do won't accept US licences (well they only accept UK and EU licences).

And then those who "might" accept US licences slap a £30 admin charge straight away.

Maybe I should start an insurance business for day / weekend use riders!

Underwriters can't have major issues with this since they already insure bike rental businesses (who accept all kinds of people from everywhere). So possibly it's just a case of insurance companies not having to bother - if no company offers it, then why should any one of them?

[Ste]

[kbot]

[iooi]

[kbot]

[D O G]

[kawakid]

Hmm, I took out a colleagues ZX9r one lunch time, I was fully insured 3rd party. I managed the straights, the twisties, the high speed turns, the bends where your pegs go down. What I didn't manage was manoeuvring out of my cul de sac at 1mph. Cue me set off, fall. One busted fearing.

Ride your own bikes.
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