Short Term/Day/Test Ride Insurance

olionel · Brolly Dolly Joined: 22 Dec 2006 Karma :

Hello;

Can I ride (legally) an uninsured bike that I don't own, for a test drive if I was to get Daily/Test Ride insurance?

Thanks
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1989 CG125 - Childhood Sweetheart (she got kidnapped by baddies)
1998 ZXR400 - Teenage Love (lasted three years, then she turned lesbian and left me)
2001 XRV750 - Wife Material (still getting to know her but head over heels in love)

P.addy · Red Rocket Joined: 14 Feb 2008 Karma :

As long as you specifiy it is a bike you want to try before you buy and doesn't belong to you.

Needs tax and MOT though.

DrDonnyBrago · World Chat Champion Joined: 03 Jan 2010 Karma :

P.addy · Red Rocket Joined: 14 Feb 2008 Karma :

His policy would need to be worded saying he can ride an uninsured bike though...

DrDonnyBrago · World Chat Champion Joined: 03 Jan 2010 Karma :

sickpup · Old Timer Joined: 21 Apr 2004 Karma :

P.addy · Red Rocket Joined: 14 Feb 2008 Karma :

sickpup · Old Timer Joined: 21 Apr 2004 Karma :

P.addy · Red Rocket Joined: 14 Feb 2008 Karma :

daemonoid · World Chat Champion Joined: 27 Jun 2008 Karma :

P.addy · Red Rocket Joined: 14 Feb 2008 Karma :

sickpup · Old Timer Joined: 21 Apr 2004 Karma :

P.addy · Red Rocket Joined: 14 Feb 2008 Karma :

Mine says I can ride bikes not owned by me. Covered under section 5 of my certificate.

But it then says the vehicle must have a current independant insurance policy to enable this cover. Under section 5a.

Thats what I'm getting at Laughing

daemonoid · World Chat Champion Joined: 27 Jun 2008 Karma :

sickpup · Old Timer Joined: 21 Apr 2004 Karma :

boundy · Nearly there... Joined: 24 Jan 2009 Karma :

https://i150.photobucket.com/albums/s95/boundy69/2012-02-06172440.jpg

boundy · Nearly there... Joined: 24 Jan 2009 Karma :

Double post

boundy · Nearly there... Joined: 24 Jan 2009 Karma :

As you can see, there is no mention of the other bike being insured on my policy also.

fozzym · Brolly Dolly Joined: 14 Mar 2011 Karma :

For what its worth both my bike and car insurance limit my use of another vehicle to TPFT and the vehicle must be insured independantly and must not belong to a member of my household.

Anyway thats all pretty imamaterial......Most sellers are going to want you to be insured fully comp before letting you get your leg over. Dealers have there own insurance so no worries there.

I'm sure there must be insurers out there that will do short term cover, at one time HPI were giving a weeks free insurance if you used there vehicle check service.

Your own insurance would likely give you seperate cover short term for another bike. Also I think what lots of bike owner tend to do is do a deal based on money back if you find any probs on the test ride. So in effect you do the deal buy the bike so its yours to do as you please ride with no insurance whatever... if however you find a problem they with refund the money and take it back. Thats the way I'd do.

Alex A · World Chat Champion Joined: 05 Mar 2007 Karma :

Ingah · World Chat Champion Joined: 10 Apr 2009 Karma :

I was under the impression (i.e. i can't remember the names on the case) that the legal prescedent (sp?) for this was that whatever is on your certificate of motor insurance is the be-all and end-all in a courtroom, irrespective of any small print wording on the full documents. Please correct me if i'm wrong.
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-- Ingah