Riding other people's bikes

[Celera]

Sat at work discussing this with a colleague and, in the absence of being able to check t&c's of insurance at the moment, thought I'd ask for the voice of experience.

If insured fully comp on a bike, are you granted 3rd party insurance on all other bikes, assuming permission etc. like tends to be standard with car insurance?

Cheers

[chris-red]

[thomp1983]

depends entirely on the insurer and if it's printed on your certificate

[MC]

Far as I'm aware it depends on the policy.
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Yamaha MT-03 '08 (crashed)
Honda XR-125L '04

[thomp1983]

depends entirely on the insurer and if it's printed on your certificate

[Dalemac]

it'll be on your certificate of insurance if you are covered.

Every insurance policy i have had for the last few years has been sent via email and this is retrievable whenever I want....
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YBR125 -> GPZ500S -> SL1000

[sabian92]

Check your policy. Sometimes it's not on there FC or not if you're under 25 for example. I'm a named driver on a car policy, been driving for 4 years but I'm under 25. The other 2 people are insured TP for other cars but I'm not.

[Celera]

Hmmm. I'll have to double check. Every car insurance policy I've ever had, since turning 25 or so, has allowed me to drive other vehicles, and I've clarified that as part of the quote. In fairness, that's probably answering my own question.

As for 25 - unfortunately I've been more than 25 for so long I can't remember what it was like not to be.

[MarkJ]

No, not always, and I've had plenty of TPFT policies where I can ride other bikes.

[_Iain_]

[J4mes]

My last 3 years worth of TPFT policies on my bike have it included, and so have the last 5 years of FC on my cars.

But I always see it as an extra, not something automatically included

[Taught2BCauti...]

If you are going to drive someone else's car or bike on your own insurance, the other car / bike has to have insurance in effect aswell.
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Honda Varadero XL125(V8)
www.TheFutureIsHere.eu

[Ste]

[J4mes]

[map]

[Diggs]

The other thing to do is agree 'you bin it, you've bought it'. Will lead to a whole load of bother if you don't...
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Now - Speed Triple, old ratty GS550, GSXR750M
Gone (in order of ownership) - Raleigh Runabout, AP50, KH125, GP125, KH250, CBX550, Z400, CB750FII, 250LC, GS550, ZXR750H1, Guzzi Targa, GSX750F, KH250 x2, Bimota SB6R and counting...

[Andy_Pagin]

[DrSnoosnoo]

To add:

I'm FC this year and no entitlement to ride other bikes.
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I'm Sam; Northern, Ginger, Lover
Did have: '95 ZZR600 '83 CG125 '97 ZZR1100 '15 Hypermotard 821 SP Do Have: '10 ZX10R

[Diggs]

I'm TPFT and can. If I remember correctly however there is a limitation on my policy preventing me from riding bikes of less than 300cc. Figure that one out!
____________________
Now - Speed Triple, old ratty GS550, GSXR750M
Gone (in order of ownership) - Raleigh Runabout, AP50, KH125, GP125, KH250, CBX550, Z400, CB750FII, 250LC, GS550, ZXR750H1, Guzzi Targa, GSX750F, KH250 x2, Bimota SB6R and counting...

[monkeybiker]

Hi, this is me first post

If the other vehicle was not insured then it would not be taxed so would not be road legal.

Surely even if your insurance still applies the vehicle could be towed away due to no tax?

[Aff]

[Rogerborg]

[Vracktal]

What I've found is insurers didn't offer me riding other bikes until I turned 25, then all of a sudden it started turning upon my policy (for both cars and bikes). I'm TPFT on both now and both let me ride/drive other peoples vehicles.
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2007 BMW R1200R: On road
2009 BMW G650X Challenge: On road
1975 Norton Commando 850: Off road, awaiting recommissioning

[map]

[Celera]

So to summarise - possibly, not definitely, and if I do, make sure it's on the way to an MOT and buy it if I break it.

This legal stuff is easy!