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Short Term/Day/Test Ride Insurance

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olionel
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Joined: 22 Dec 2006
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PostPosted: 16:51 - 06 Feb 2012    Post subject: Short Term/Day/Test Ride Insurance Reply with quote

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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P.addy
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Joined: 14 Feb 2008
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PostPosted: 16:53 - 06 Feb 2012    Post subject: Reply with quote

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.
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DrDonnyBrago
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Joined: 03 Jan 2010
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PostPosted: 17:12 - 06 Feb 2012    Post subject: Re: Short Term/Day/Test Ride Insurance Reply with quote

olionel wrote:
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


You might have ride other bike cover on your current policy, that would cover you 3rd party on the other bike. Have a look through your policy documents unless you know for certain you don't have it.
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P.addy
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PostPosted: 17:18 - 06 Feb 2012    Post subject: Reply with quote

His policy would need to be worded saying he can ride an uninsured bike though...
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DrDonnyBrago
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PostPosted: 17:21 - 06 Feb 2012    Post subject: Reply with quote

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


Damn, I missed the uninsured bit. In which case that is a dead end.


As for insuring other people's vehicles, it is fine. Just let the insurer know.
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sickpup
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Joined: 21 Apr 2004
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PostPosted: 17:29 - 06 Feb 2012    Post subject: Reply with quote

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


Why would it?
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P.addy
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PostPosted: 17:36 - 06 Feb 2012    Post subject: Reply with quote

sickpup wrote:
##Paddy## wrote:
His policy would need to be worded saying he can ride an uninsured bike though...


Why would it?


Mine states I can ride another bike that is currently covered by an independant policy. I can't just grab an uninsured bike and ride it, otherwise I'd just register one to some fake polish guy in my flat and ride it without paying insurance Laughing
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sickpup
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PostPosted: 17:39 - 06 Feb 2012    Post subject: Reply with quote

##Paddy## wrote:
Mine states I can ride another bike that is currently covered by an independant policy. I can't just grab an uninsured bike and ride it, otherwise I'd just register one to some fake polish guy in my flat and ride it without paying insurance Laughing


Mine states I can ride any bike not owned by me.

I repeat the question, why does it need to be insured?
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P.addy
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PostPosted: 17:42 - 06 Feb 2012    Post subject: Reply with quote

sickpup wrote:
Mine states I can ride any bike not owned by me.

I repeat the question, why does it need to be insured?


As does mine Laughing But mine says it needs to be covered by an independant policy not under my name.

I won't get into a debate with it, you always seem to win, but thats my wording on the policy Laughing
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daemonoid
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PostPosted: 17:44 - 06 Feb 2012    Post subject: Reply with quote

sickpup wrote:
Mine states I can ride any bike not owned by me.

I repeat the question, why does it need to be insured?


That's very unusual, sure you've read your docs right? The theory behind it is to stop you insuring a POS 125 and then just 'borrowing' your mate's Hayabusa indefinitely.
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P.addy
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PostPosted: 17:45 - 06 Feb 2012    Post subject: Reply with quote

daemonoid wrote:
That's very unusual, sure you've read your docs right? The theory behind it is to stop you insuring a POS 125 and then just 'borrowing' your mate's Hayabusa indefinitely.


New insurance shit says you also need to insure over 350cc to get ride other bikes Laughing
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sickpup
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Joined: 21 Apr 2004
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PostPosted: 17:53 - 06 Feb 2012    Post subject: Reply with quote

##Paddy## wrote:
As does mine Laughing But mine says it needs to be covered by an independant policy not under my name.

I won't get into a debate with it, you always seem to win, but thats my wording on the policy Laughing


I don't think you actually understand what I wrote. My policy states I can "ride any bike not owned by me." There is nothing about it being insured by others. If your policy states the same as mine why do you think it needs to be insured and why do you think it applies to me as well?

I am confused as to why you are adding further clauses to both your and mine contracts of insurance?

daemonoid wrote:
That's very unusual, sure you've read your docs right? The theory behind it is to stop you insuring a POS 125 and then just 'borrowing' your mate's Hayabusa indefinitely.


Quite sure considering I've read my policy and it has been confirmed by my broker. Thumbs Up

This argument has been covered several times on BCF, each time I'm right and each time the opposition end up trying to use the argument that they must be right for the reasons you have specified above. Even our resident insurance cock came out with some bullshit excuse because he couldn't find anything in writing about it. If policies have changed to state that the vehicle must be insured under its own policy it just goes to show that previously they didn't. Catch 22 Wink


Last edited by sickpup on 17:57 - 06 Feb 2012; edited 1 time in total
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P.addy
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PostPosted: 17:55 - 06 Feb 2012    Post subject: Reply with quote

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
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daemonoid
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PostPosted: 17:56 - 06 Feb 2012    Post subject: Reply with quote

sickpup wrote:
Quite sure considering I've read my policy and it has been confirmed by my broker. Thumbs Up


Great stuff then, as I said unusual. Most nowadays come with two clauses on the drive anything:
1. It must be covered by another insurance.
2. It must not be owned by someone in your household.

Who you with then? I'd consider paying a little bit more for those clauses gone.
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sickpup
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PostPosted: 17:59 - 06 Feb 2012    Post subject: Reply with quote

daemonoid wrote:
Who you with then? I'd consider paying a little bit more for those clauses gone.


Don't know who I am with just the broker but I pay a bit more than a bit more. I've said this before with insurance, you get what you pay for and my broker is far from the cheapest but he does have the best customer service.
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boundy
Nearly there...



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PostPosted: 18:27 - 06 Feb 2012    Post subject: Reply with quote

https://i150.photobucket.com/albums/s95/boundy69/2012-02-06172440.jpg
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boundy
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PostPosted: 18:28 - 06 Feb 2012    Post subject: Reply with quote

Double post

Last edited by boundy on 18:58 - 06 Feb 2012; edited 1 time in total
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boundy
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PostPosted: 18:29 - 06 Feb 2012    Post subject: Reply with quote

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



Joined: 14 Mar 2011
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PostPosted: 20:26 - 06 Feb 2012    Post subject: Reply with quote

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.
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Alex A
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PostPosted: 01:10 - 07 Feb 2012    Post subject: Reply with quote

fozzym wrote:
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.


That's why you leave them the cash as security. You break it, you buy it.

Both my car and motorcycle policies cover me TPO on vehicles not owned by me (and not leased to me). Neither mention anything about the vehicle needing to be otherwise insured, either on the certificate or in the small print.

The police don't like it though as it shows as uninsured on MID. Be sure to carry your certificate!
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Ingah
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PostPosted: 01:47 - 07 Feb 2012    Post subject: Reply with quote

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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