Yet another insurance question

[Stalk]

Stepstalk has an A1licence, rides a 650 BMW 47 bhp or whatever the limit is. Has insurance that covers him for other bikes, as long as he holds the relevant licence. Wants to do his big bike test, wants to use my 900 diversion to do it on.

So, if he rides my bike under test conditions, when his licence is the relevant licence to take the test, will he then be insured?

Cheers!

[Andy_Pagin]

An insurance certificate means precisely what it says. So on the face of it, unless his certificate has exceptions relating to taking tests, then yes, he's covered. I would however get him to phone his insurers to check first. Record the call if possible and ask for email confirmation.
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[Ste]

He has read through his policy documents?

Even if BCF gives you the answer that you and he are wanting, he should still check his policy documents because that's much more reliable than asking BCF.

[Stalk]

Yes Ste, I agree, but hopefully wil be an interesting thread..

[andyscooter]

I'm guessing no

mainly on the basis that he hasn't got the relevant licence yet
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[Matt B]

[iooi]

Not forgetting that this cover will be 3rd party only.
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Just because my bike was A DIVVY, does not mean i am......

[Ste]

Which insurance company is he with?

If he can't be bothered to read his policy documents and doesn't want to phone them, maybe someone on BCF will read the policy documents and post the relevant parts of it.

[sickpup]

Strictly speaking yes he would be covered.

He is allowed to ride the higher powered bike while under training or test with a suitably qualified instructor/tester.
In this case he would be licensed to drive but it comes down to his insurance and any clauses on it.

[Rogerborg]

[Stalk]

Sorry yes, A2.. 21 and license for 2 years

[Matt B]

So what it really comes down to is two things.

1 - how likely is it that Stepstalk will potato the bike or somebody else's property during the Mod2, resulting in a potential insurance claim and possible issues?

2 - how likely is it that plod will bother to stop Stepstalk and delve into the insurance whilst on test, riding a bike showing on the MID, wearing his hi-viz, accompanied by an examiner?

Not likely? Then go for it.
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[Rogerborg]

[Matt B]