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TbirdX
Crazy Courier



Joined: 06 Dec 2015
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PostPosted: 12:37 - 26 Jul 2017    Post subject: Passed Reply with quote

My Mod 2 today.

Now take a breath and find something with many CCs.

Smile
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TbirdX
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Joined: 06 Dec 2015
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PostPosted: 12:52 - 26 Jul 2017    Post subject: Reply with quote

Oh, and don't forget to pay the extra £25 to add the fact to your current insurance...fucking rip off.
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Rogerborg
nimbA



Joined: 26 Oct 2010
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PostPosted: 13:08 - 26 Jul 2017    Post subject: Reply with quote

Congratulations, but why would you even tell them, unless you're planning to take a pillion?

So, Rocket III?
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arry
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Joined: 03 Jan 2009
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PostPosted: 13:09 - 26 Jul 2017    Post subject: Reply with quote

Fireblade.

Well done.
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TbirdX
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Joined: 06 Dec 2015
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PostPosted: 13:12 - 26 Jul 2017    Post subject: Reply with quote

Rogerborg wrote:
Congratulations, but why would you even tell them, unless you're planning to take a pillion?

So, Rocket III?


Well I figured I'd try and stay on the right side of the slippery gits. No L plates after all and I may well take a pillion, just for the lolz when the wife screams at me Smile

Good bye faithful paper licence Crying or Very sad Hello Hayabusa...

























(probably not tbh)
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pepperami
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Joined: 17 Jan 2010
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PostPosted: 13:33 - 26 Jul 2017    Post subject: Re: Passed Reply with quote

TbirdX wrote:
My Mod 2 today.

Now take a breath and find something with many CCs.

Smile

Congratulations Thumbs Up
Now for something
Super POWAAR!!!!! Hybsabladegsxr, 10,000cc , 10,000 bhp , 400mph Thumbs Up Or a nice tidy 600 to start with?
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Islander
World Chat Champion



Joined: 05 Aug 2012
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PostPosted: 14:01 - 26 Jul 2017    Post subject: Reply with quote

Congratulations. Mr. Green Thumbs Up

The suggestion of a 600 is a good one too.
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Tracer1234
World Chat Champion



Joined: 13 Sep 2014
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PostPosted: 14:15 - 26 Jul 2017    Post subject: Reply with quote

Congrats. Thumbs Up just in time for what ever is left of the summer. As i type, it is of course pissing down. Thumbs Down
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Riding: Yamaha MT-09 Tracer Occasionally Riding: 08 Suzuki SV650, Potato: 2011 Yamaha YBR Custom.
Used to ride: 2015 Yamaha MT-09 Tracer (smidsy) 09 Triumph Street Triple (P/X'd) 08 Yamaha YBR (Sold)
CBT 04/14. A: Mod 1 & 2 13/04/15
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arry
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Joined: 03 Jan 2009
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PostPosted: 14:21 - 26 Jul 2017    Post subject: Reply with quote

Tracer1234 wrote:
Congrats. Thumbs Up just in time for what ever is left of the summer. As i type, it is of course pissing down. Thumbs Down


School holidays anyway innit, can't move around the roads worth a damn for caravans and people carriers.
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M.C
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Joined: 29 Sep 2015
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PostPosted: 14:41 - 26 Jul 2017    Post subject: Reply with quote

TbirdX wrote:
Oh, and don't forget to pay the extra £25 to add the fact to your current insurance...fucking rip off.

Obviously you're more of a risk now you've ditch the L plates Neutral

Congrats anyway Thumbs Up
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TbirdX
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Joined: 06 Dec 2015
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PostPosted: 14:45 - 26 Jul 2017    Post subject: Reply with quote

I confess....I may have strayed over the speed limit once or twice on the way back from the test centre Wink
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Wheezybiker
Nitrous Nuisance



Joined: 19 Jun 2017
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PostPosted: 15:12 - 26 Jul 2017    Post subject: Reply with quote

Well done
What bike did you learn on s that an option
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TbirdX
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Joined: 06 Dec 2015
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PostPosted: 17:56 - 26 Jul 2017    Post subject: Reply with quote

Went for my first non L plated ride.

Somehow, now I'm a riding god, cars aren't trying to kill me (well less of them anyway) and I'm more attractive to the opposite sex.

Some of the above may not be accurate....


Riding school had NC750 in the S flavour and I do quite fancy the X I have to say.

I think it'll be a toss up twixt the X, Versys, Strom or maybe a gs in 800 twin guise.
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Rogerborg
nimbA



Joined: 26 Oct 2010
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PostPosted: 18:30 - 26 Jul 2017    Post subject: Reply with quote

Reasonable choices. If you're going Nazi, I'd suggest looking at the "700" GS as well, unless you really need big spoked wheels for (off) street cred.
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recman
World Chat Champion



Joined: 26 Mar 2012
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PostPosted: 18:57 - 26 Jul 2017    Post subject: Reply with quote

TbirdX wrote:
I think it'll be a toss up twixt a black Street, white Street, blue Street.....


HTH. Thumbs Up
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Freddyfruitba...
World Chat Champion



Joined: 20 May 2016
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PostPosted: 19:22 - 26 Jul 2017    Post subject: Reply with quote

Rogerborg wrote:
why would you even tell them, unless you're planning to take a pillion?

License status is a 'material fact' in the insurers' eyes, so why would you not tell them thereby risking getting a claim bounced or reduced in the future?
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arry
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Joined: 03 Jan 2009
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PostPosted: 21:33 - 26 Jul 2017    Post subject: Reply with quote

Freddyfruitbat wrote:
Rogerborg wrote:
why would you even tell them, unless you're planning to take a pillion?

License status is a 'material fact' in the insurers' eyes, so why would you not tell them thereby risking getting a claim bounced or reduced in the future?


CIDRA 2012 and Insurance Act 2015 - you need to do some research before making statements like that.

No such thing as a material fact any more, in reality.
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arry
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PostPosted: 07:37 - 27 Jul 2017    Post subject: Reply with quote

Sorry Freddie was short on time last night and realised this morning that post comes over arsey - wasn't meant to be.

The principles of non disclosure and avoidance of contract are now very different in law as to what they were 5 years ago. I say in law, because that's what counts, but the FOS had set directions to the same effect for some years before CIDRA but that still didn't stop insurers trying it on.

Key points are you must be asked a clear fair and not misleading question and the answer must be material to the underwriting. If it's relevant to underwriting then to avoid you'd need to prove inducement into contract - wouldn't have insured you at any terms mate, soz; or to achieve a proportional remedy you'd have to show the cost of insurance, had the insurer have known the true facts, was significantly different to what was paid.

You are asked what licence you have and the answer would now theoretically be a lie. But of what consequence is it to underwriting? I don't think there's a motorcycle insurer out there that doesn't insure riders with full licences. Extremely unlikely to be able to avoid. And proportional remedy? FOS would have great fun on that - so you're now better trained and more qualified but the price has gone up for the same risk? Jog on.

The fact only the admin fee was charged says it all.
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Andy_Pagin
World Chat Champion



Joined: 08 Nov 2010
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PostPosted: 13:46 - 27 Jul 2017    Post subject: Reply with quote

Well when I got my full licence about five years ago I rang my insurers
Me "I've passed my Mod2 and now have a full motorcycle licence"
Insurers "Oh, well done ... was there anything else we can help you with?"
/end.
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Freddyfruitba...
World Chat Champion



Joined: 20 May 2016
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PostPosted: 14:23 - 27 Jul 2017    Post subject: Reply with quote

arry wrote:
Sorry Freddie was short on time last night and realised this morning that post comes over arsey - wasn't meant to be.
The principles of non disclosure and avoidance of contract are now very different in law as to what they were 5 years ago.

None taken - thanks for setting me right, good to know.

(I am, however, mortally offended at the misspelling of my moniker... Shocked)

I suppose I was also thinking of when my kids all passed their car-driving tests, each time the premium hike on my policy was quite substantial - but makes sense as then you've got 17-year-olds tearing around the countryside in cars on their own with their mates, rather than just with Dad in the passenger seat... different scenario to bikes, of course.
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Wonko The Sane
World Chat Champion



Joined: 20 Jan 2013
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PostPosted: 15:06 - 27 Jul 2017    Post subject: Reply with quote

arry wrote:

You are asked what licence you have and the answer would now theoretically be a lie. But of what consequence is it to underwriting? I don't think there's a motorcycle insurer out there that doesn't insure riders with full licences. Extremely unlikely to be able to avoid. And proportional remedy? FOS would have great fun on that - so you're now better trained and more qualified but the price has gone up for the same risk? Jog on.

The fact only the admin fee was charged says it all.


I was told there was a £250 (or was it £500) increase as I was classed as a new rider now I'd got my licence and so the computer assumed less experience. The lass on the other end of the phone decided this was a load of bollocks and simply made a note on my policy that I'd informed them I'd passed my test and that was that.
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