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Call me stupid if you want, but, can I INSURE this bike?

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johnnynapalms...
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PostPosted: 22:07 - 26 Apr 2016    Post subject: Call me stupid if you want, but, can I INSURE this bike? Reply with quote

Could I simply INSURE SRAD 600 on A2 license, and actually have it as "Insured and taxed" appear on police ANPR? I know this bike is slightly more powerful than A2 allows, but I assume when I insure it I would need to send my license, would the insurance company know that this bike is not allowed on my license? I mean it does say on wikipedia that the bike is legal (under 94 bhp), but then manufacturer says its 100bhp at the crank. I called up MCE, and they said as long as it's restricted it's fine, but I don't think they know much about this bike.
TL;DR When I send my A2 license to insurer, will they know that I am not allowed on SRAD 600? Or do they not care until an accident?
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haroman666
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PostPosted: 22:11 - 26 Apr 2016    Post subject: Reply with quote

They will ask for proof of restriction. Which I super easy to forge. Or at least it WAS. (I had a mate write a headed paper invoice from when he used to be a self employed mechanic stating "33bhp restrictor fitted")

I'm not sure but it also might flag up on their system as a bike that doesn't meet the requirements for power-to-weight limit either. (Not sure if it does or not)
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Pjay
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PostPosted: 22:20 - 26 Apr 2016    Post subject: Reply with quote

I'm not sure an Srad 600 is A2 compatible.

https://a2bikes.co.uk/browse?categoryFilters=6
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Andy_Pagin
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PostPosted: 22:46 - 26 Apr 2016    Post subject: Re: Call me stupid if you want, but, can I INSURE this bike? Reply with quote

johnnynapalmsc wrote:
I know this bike is slightly more powerful than A2 allows

Then you're planning to ride other than in accordance with your licence, and have stated the fact on a public internet forum.
See paragraph three...
https://www.bikechatforums.com/viewtopic.php?t=270718

johnnynapalmsc wrote:
When I send my A2 license to insurer, will they know that I am not allowed on SRAD 600? Or do they not care until an accident?

Hopefully they will. I say hopefully because that way they will be able to prevent you committing fraud. Realistically they probably won't know and you will succeed in defrauding them.
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johnnynapalms...
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PostPosted: 22:56 - 26 Apr 2016    Post subject: Re: Call me stupid if you want, but, can I INSURE this bike? Reply with quote

I didn't say I will be doing this, I'm more curious if they actually check if it's too powerful, because when I am looking for quotes it only gives "Full UK", no "A2" or "A" licenses
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stevo as b4
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PostPosted: 00:27 - 27 Apr 2016    Post subject: Reply with quote

What's so special about an SRAD 600 compared to any other non A2 legal bike? What not an R6 or R1 even?

Your by default due to your age and the current licensing system forced and expected to buy an A2 compliant bike and insure it as one. Its pretty much tough shit or you wait until age 24 to do an unrestricted licence.

That sounds like the better option anyway, as by asking now if you can get away with breaking the law or as Andy says ride a bike that's not in accordance with your licence, you sound too immature to be on the road, and you cone across as an arrogant know it all cunt that wants to and thinks they can cheat the system?

The 104bhp GSXR 600 SRAD is non compliant, as is every other 90's> sports bike 600. Add to that you've just admitted again on a public forum that an insurer could look at that your not going to run the 47bhp restrictions and you only want the paperwork to say it's restricted.

Lastly you come on here asking about if it's OK to do all of this, knowing the answers and the legalities of it all already, but just looking for BCF's go on son it'll be fine stamp of approval.

I wouldn't even insure you on a 125cc bike personally, and I'm sure many insurer's won't either. And if you do this and it goes wrong then I guarantee no one will be insuring your for at least a year or more depending on the length of your ban.

Good luck with it all anyway, and you might want to think about what you type and admit to in future on the net, if your going off to do your own thing.
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davebike
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PostPosted: 06:54 - 27 Apr 2016    Post subject: Reply with quote

Don't get caught
Bike will be impounded you will get done riding not in accordance with licence Almost certain ban and retake driving tests big fine
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Rogerborg
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PostPosted: 07:30 - 27 Apr 2016    Post subject: Reply with quote

Oh, this again.

Arrow Denial: But, but Wikipedia says...
Arrow Anger: This is bullshit, the rules should be clear, why does it matter anyway?
Arrow Bargaining: How about I don't ask and don't tell, maybe I'll get away with it.
Arrow Depression: Such first world, very problem.
Arrow Acceptance: Might as well get a Fireblade.

It's not legal. You're very unlikely to get caught. If you do get caught then it will be a costly business. That's the situation, now do it or don't do it on that basis.
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Cronik
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PostPosted: 07:51 - 27 Apr 2016    Post subject: Reply with quote

Doesn't seem worth it...


Be a good little boy and get a Fazer like I am also planning...


Don't be a silly-head.
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Monkeypony
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PostPosted: 07:56 - 27 Apr 2016    Post subject: Reply with quote

I bought insured my first bike before I had a license. Spoke to them on the phone, explained the situation, they just told me to contact them when I passed my test, no problem.

Mind you, I bought it a month before I passed my test because it was a bargain, not because I wanted to ride a bike with no license, which is a dick thing to do.
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weasley
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PostPosted: 08:08 - 27 Apr 2016    Post subject: Reply with quote

johnnynapalmsc wrote:
Call me stupid if you want...


Stupid.
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BTTD
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PostPosted: 08:25 - 27 Apr 2016    Post subject: Reply with quote

Rogerborg wrote:
It's not legal. You're very unlikely to get caught. If you do get caught then it will be a costly business. That's the situation, now do it or don't do it on that basis.


Exactly this.
Low risk of getting caught + high risk consequence.

Is it worth it? Only you can decide, but there are plenty of decent bikes that you can ride instead.
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rubyhorse2
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PostPosted: 08:30 - 27 Apr 2016    Post subject: Reply with quote

right from the off your starting out being on the roads illegally...nice one. another muppet we will all end up paying more on our insurance for.
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Matt B
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PostPosted: 08:33 - 27 Apr 2016    Post subject: Reply with quote

weasley wrote:
Stupid.


+1

Stupid!

Creating multiple threads regarding the SRADs ability to be ridden on A2 is not going to magically make it legal.
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Rogerborg
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PostPosted: 09:21 - 27 Apr 2016    Post subject: Reply with quote

rubyhorse2 wrote:
another muppet we will all end up paying more on our insurance for.

Nope.

He's still planning to pay a premium.

If he stacks it and gets caught, his insurer won't pay out to him. They will pay out to 3rd parties, but can recover their costs from him. That saves the rest of us money.

Uninsured drivers and riders are awesome: they can actually be made to take responsibility for their choices and actions.
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Alpineandy
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PostPosted: 09:34 - 27 Apr 2016    Post subject: Reply with quote

Rogerborg wrote:
If he stacks it and gets caught, his insurer won't pay out to him. They will pay out to 3rd parties, but can recover their costs from him. That saves the rest of us money.
Uninsured drivers and riders are awesome: they can actually be made to take responsibility for their choices and actions.

On the other hand, if the total value of all his assets (after the court has passed them to the insurance company) is only £20k but the 3rd party damage plus costs (which really start increasing) is 50k, then although he won't have a pot to piss in and the debt will keep him like that for a few years, meanwhile we'll be funding the loan of the money through our premiums.
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Rogerborg
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PostPosted: 10:08 - 27 Apr 2016    Post subject: Reply with quote

Which is no worse than him stacking an insured, legal Fazer. The rest of us never lose out by people getting clever with their insurance, we can only gain from it. Choosing to ride with voided insurance could be viewed as taking the risk on yourself, although I doubt many folk who do it really see it that way.
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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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Cronik
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PostPosted: 11:32 - 27 Apr 2016    Post subject: Reply with quote

OP, have you already bought the bike?

If you're planning on traversing this rocky path, taking to the road illegally, with void insurance- you may as well not restrict it at all.
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rubyhorse2
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PostPosted: 13:12 - 27 Apr 2016    Post subject: Reply with quote

Rogerborg wrote:
rubyhorse2 wrote:
another muppet we will all end up paying more on our insurance for.

Nope.

He's still planning to pay a premium.

If he stacks it and gets caught, his insurer won't pay out to him. They will pay out to 3rd parties, but can recover their costs from him. That saves the rest of us money.

Uninsured drivers and riders are awesome: they can actually be made to take responsibility for their choices and actions.


fair enough, i always thought if your insurance is void then they simply dont pay out.
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The Shaggy D.A.
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PostPosted: 13:19 - 27 Apr 2016    Post subject: Reply with quote

Cronik wrote:
OP, have you already bought the bike?

If you're planning on traversing this rocky path, taking to the road illegally, with void insurance- you may as well not restrict it at all.


Might as well clone the plates too, and save the insurance/tax costs while he's at it.
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Rogerborg
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PostPosted: 13:50 - 27 Apr 2016    Post subject: Reply with quote

rubyhorse2 wrote:
fair enough, i always thought if your insurance is void then they simply dont pay out.

They can argue the toss about paying out to the policy holder.

However, it's much harder for them to avoid paying out to any third party[*], with the holding of a valid license by the driver being explicitly disallowed as a reason to not pay out. See RTA 1988 S151 (3).

[*] Except a passenger in/on a stolen vehicle.
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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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talkToTheHat
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PostPosted: 15:11 - 27 Apr 2016    Post subject: Reply with quote

There was a thread on here not long ago about a kid whose life was made hell when the police decided his 33bhp sv650 wasnt 33bhp, confiscated it, set it on fire, dubiously dyno tested it and were general wankstains about the whole thing despite the rider having proper paperwork and genuine (and possibly ineffective) restrictors.

Don't go there. Get an a2 capable bike and ride out your time.
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Rogerborg
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PostPosted: 17:00 - 27 Apr 2016    Post subject: Reply with quote

talkToTheHat wrote:
There was a thread on here not long ago about a kid whose life was made hell when the police decided his 33bhp sv650 wasnt 33bhp, confiscated it, set it on fire, dubiously dyno tested it and were general wankstains about the whole thing despite the rider having proper paperwork and genuine (and possibly ineffective) restrictors.

Tragi-comedy gold.

Silver lining is that even though it apparently dynod over the prosecution threshold, they didn't prosecute him due to having set it on fire.
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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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Matt B
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PostPosted: 12:51 - 28 Apr 2016    Post subject: Reply with quote

Rogerborg wrote:
Silver lining is that even though it apparently dynod over the prosecution threshold, they didn't prosecute him due to having set it on fire.


So win/win really - an SV650 got set on fire and nobody was prosecuted Thumbs Up
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