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| Kris |
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Kris
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Joined: 03 Feb 2002
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 Posted: 12:23 - 22 Jun 2011  Post subject: No pillions allowed says top insurer |
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"This issue came to light when MCN's senior reporter Steve Farrell was refused a policy for his Kawasaki GPz550 unless he agreed to never carry a pillion. The 65bhp middleweight falls into insurance group eight, nine groups lower than the maximum.
Farrell, who has previously been allowed to carry pillions under an Aviva policy, was told by his broker: "On certain bikes they will no longer give pillion cover."
A spokesman for Aviva, which underwrites one in seven UK bike insurance policies, said "For some sports and high performance bikes, we're not able to quote if you want to have a pillion passenger riding with you. Solo, fine. Pillion passenger on some bikes we would not be able to quote."
https://www.motorcyclenews.com/MCN/INSURANCE/insuranceresults/2011/May/may2511-no-pillions-say-leading-motorcycle-insurer/Post.aspx
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NSR125RR - ZXR750H1 - ZX9R E1 - GSF600S - GSF600SK3 - VFR400-NC30 - SV1000N - ST1100-R - CBR900RR-R - GSF1200SK5 - GSF600SK1 - VFR1200FA - GSXR1000K2 - ZZR1400 D8F
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| tatters |
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tatters
Exxon Valdez
Joined: 04 Jan 2004
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| Posted: 12:52 - 22 Jun 2011 Post subject: |
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You dont need insurance to take a pillion anyway, its the same as taking a passenger in a car as far as the law is concerend, all they can do is refuse to pay out for the pillion injurys on personal injury claims against the rider.
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Past:NRG50,AF1125(x2),NSR125RR,ZZR250,CX500,VFR400,KR1S,ZZR600(x2),CB400N,YZF1000(x2),KH125,Z200,FX400R,CBR954RR(x2)GPZ500S,GT550,VFR750F(x2),RD350N,XR650R,CBR600F,CB250,KDX250,YZF750R,CRM250,400EXC,KLR650,TTR600RE,DR350S,R100GSPD,RGV250,VMAX1200,DL650,KZ750 Present:G650XC,C12,CRF450X,1190ADV |
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| tatters |
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tatters
Exxon Valdez
Joined: 04 Jan 2004
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| Posted: 12:58 - 22 Jun 2011 Post subject: |
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From another forum.
| Quote: |
Some of this came about because recently there was an issue where a pillion passenger, the wife of the chap riding the bike was injured when he crashed. She sued her husband for mega bucks through the insurance policy, they automatically paid out because he admitted responsibility and there were no other vehicles involved.
All sounds a bit fishy to me, almost like a golden opportunity to screw an insurance company. |
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Past:NRG50,AF1125(x2),NSR125RR,ZZR250,CX500,VFR400,KR1S,ZZR600(x2),CB400N,YZF1000(x2),KH125,Z200,FX400R,CBR954RR(x2)GPZ500S,GT550,VFR750F(x2),RD350N,XR650R,CBR600F,CB250,KDX250,YZF750R,CRM250,400EXC,KLR650,TTR600RE,DR350S,R100GSPD,RGV250,VMAX1200,DL650,KZ750 Present:G650XC,C12,CRF450X,1190ADV |
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| Rogerborg |
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Rogerborg
nimbA
Joined: 26 Oct 2010
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Posted: 12:58 - 22 Jun 2011  Post subject: |
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| tatters wrote: | You dont need insurance to take a pillion anyway, its the same as taking a passenger in a car as far as the law is concerend, all they can do is refuse to pay out for the pillion injurys on personal injury claims against the rider. |
Can you cite any case law on that?
An insurance policy is a contract. If you choose a policy which has no pillions as a condition, you may be on a sticky wicket if you ride into a ditch (fully comp) or a queue of nuns-with-kittens (3rd party) while pillioned-up.
Yes, any insurer has to pay out 3rd party claims even if you breached the terms of the insurance, but they can then pursue you to recover their loss.
[UPDATE]
Aaaaah, I see. Pillion vs rider is very interesting.
They are technically a 3rd party, and the insurer can't wiggle out of paying them if there's nobody else involved. I can now understand why they're doing this, although not why they're tailoring the condition to sports bikes, rather to than young riders more likely to be hooning around with some denims-and-heels tart perched on the back.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike
Last edited by Rogerborg on 13:06 - 22 Jun 2011; edited 2 times in total |
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| Easter Bunny |
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Easter Bunny
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| tatters |
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tatters
Exxon Valdez
Joined: 04 Jan 2004
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| Posted: 13:12 - 22 Jun 2011 Post subject: |
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| Eggs Benedict wrote: | | tatters wrote: | You dont need insurance to take a pillion anyway, its the same as taking a passenger in a car as far as the law is concerend, all they can do is refuse to pay out for the pillion injurys on personal injury claims against the rider. |
would the pillion then just pursue the rider for personal injury?
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That the problem, you cant be proscuted for no pillion cover as it is,nt against the law but if your found to be at fault and your pillion is serouisly injured then the insurance company will go after you to recover there costs.
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Past:NRG50,AF1125(x2),NSR125RR,ZZR250,CX500,VFR400,KR1S,ZZR600(x2),CB400N,YZF1000(x2),KH125,Z200,FX400R,CBR954RR(x2)GPZ500S,GT550,VFR750F(x2),RD350N,XR650R,CBR600F,CB250,KDX250,YZF750R,CRM250,400EXC,KLR650,TTR600RE,DR350S,R100GSPD,RGV250,VMAX1200,DL650,KZ750 Present:G650XC,C12,CRF450X,1190ADV |
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| Rogerborg |
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Rogerborg
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Joined: 26 Oct 2010
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Posted: 14:39 - 22 Jun 2011  Post subject: |
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It'd be OK if there was genuine competition and they didn't effectively run a cartel.
It's especially annoying that it's not obvious who your policy is underwritten by before you agree to the contract. You can get results from 50 companies on a price comparison site, but there's only three or four (or fewer) underwriters behind the curtain.
They're the ones calling the shots, but you can't generally negotiate directly with them: instead you have to give a cut to some worthless spacker who adds no value to the transaction.
Definitely an industry that could do the cleansing light of day being shone on it.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike |
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| Easter Bunny |
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Easter Bunny
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| The Shaggy D.A. |
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The Shaggy D.A.
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| doggone |
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doggone
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| ThoughtContro... |
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ThoughtContro...
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| MarkJ |
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MarkJ
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| Posted: 10:27 - 24 Jun 2011 Post subject: |
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Good old Norwich Union back to its old tricks  |
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| RichieZX6R |
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RichieZX6R
Nearly there...
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| RichieZX6R |
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RichieZX6R
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| Rogerborg |
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Rogerborg
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| Posted: 12:32 - 27 Jun 2011 Post subject: |
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Require to see his warrant card, take his number, complain about him.
If nobody does that, then he's not going to stop.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike |
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RichieZX6R
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| c-m |
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c-m
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| Posted: 16:43 - 28 Jun 2011 Post subject: |
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You can carry a pillion without worry and you will still be covered up to whatever level you had, but your pillion won't be. That isn't important though since they are a third party so can claim against whoever caused the accident.
Remember that a contract cannot override any rights you have by law - in this case to carry a pillion, so you won't have any problems in terms of the police or anything
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| Bendy |
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Bendy
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| c-m |
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c-m
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| Rogerborg |
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Rogerborg
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| Posted: 17:00 - 28 Jun 2011 Post subject: |
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| c-m wrote: | Remember that a contract cannot override any rights you have by law - in this case to carry a pillion, so you won't have any problems in terms of the police or anything |
Unless you're planning on being a test case, I'd urge caution in making absolute statements like that.
Nobody is forcing you to take that policy. Nobody is forcing you to agree to those terms.
Yes, the insurer must pay out to 3rd parties - including a pillion - regardless of whether you've breached the terms that you agreed to.
But they can come after you to recoup their loss, and I think you'd hard pressed to explain in a civil case why you contracted to limit the insurer's liability by not carrying a pillion, and then took one anyway.
There are two ways to nip this in the bud.
1) Take such a policy, carry a pillion, have a claim against you, fight the insurer in court when they try and recover their loss. Good luck with that.
2) Punish them by taking your business elsewhere.
I don't think "Give them your business then hope for the best" is a very effective deterrent. That actually rewards them, and encourages more insurers to follow suit.
____________________
Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike |
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| c-m |
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c-m
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Old Thread Alert!
The last post was made 14 years, 224 days ago. Instead of replying here, would creating a new thread be more useful? |
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