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Being paid to take a pillion - insurance?

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Quickly
Crazy Courier



Joined: 29 Apr 2008
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PostPosted: 18:26 - 24 Jul 2020    Post subject: Being paid to take a pillion - insurance? Reply with quote
I have pillion cover on my standard insurance which covers so I'll, domestic, pleasure and commuting. Does anyone know what the insurance implications would be if I were to charge people for pillion riding (e.g. pillion tours of the English countryside as an AirBnB "experience")? I assume maybe I would need to upgrade to "business" insurance and read the small print carefully to see if it covers that activity. Anyone have any further insight?
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Ste
Not Work Safe



Joined: 01 Sep 2002
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PostPosted: 18:37 - 24 Jul 2020    Post subject: Reply with quote
That's "for hire or reward" rather than just business use.
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WD Forte
World Chat Champion



Joined: 17 Jun 2010
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PostPosted: 18:38 - 24 Jul 2020    Post subject: Reply with quote
"For hire and reward" comes to mind although I have no idea
how insurance companies will regard it


Edit:
ahh I see Ste pre emptied me
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arry
Super Spammer



Joined: 03 Jan 2009
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PostPosted: 18:40 - 24 Jul 2020    Post subject: Reply with quote
WD Forte wrote:
"For hire and reward" comes to mind although I have no idea
how insurance companies will regard it


Badly Laughing

It'll be hellish expensive but hey, if your business model is sound enough....
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wr6133
World Chat Champion



Joined: 31 Dec 2013
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PostPosted: 18:41 - 24 Jul 2020    Post subject: Reply with quote
Fuck that for a business, you'll be uninsurable after the first SMIDSY that doesn't go in your favour or when you get sued because a drunk 16 year old girl falls off the thing.

Not even like you could charge much.
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martin734
Spanner Monkey



Joined: 28 Aug 2019
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PostPosted: 18:53 - 24 Jul 2020    Post subject: Reply with quote
It's not only insurance that would be an issue. In order to carry passengers for hire and reward you will need a private hire licence from the local council.
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WD Forte
World Chat Champion



Joined: 17 Jun 2010
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PostPosted: 19:19 - 24 Jul 2020    Post subject: Reply with quote
martin734 wrote:
It's not only insurance that would be an issue. In order to carry passengers for hire and reward you will need a private hire licence from the local council.


Good point
Also thinking about it, what would be a significant advantage of it
over using a car for the same purpose?
I'd rather be sat in a comfy car munching biccies and tea going
"oh look, cows!" than having to wear helmet, gloves, boots n shit
with virtually no luggage space.
Ahm oot
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BigTim
Trackday Trickster



Joined: 29 Sep 2017
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PostPosted: 22:38 - 24 Jul 2020    Post subject: Reply with quote
WD Forte wrote:
"For hire and reward" comes to mind although I have no idea
how insurance companies will regard it


Edit:
ahh I see Ste pre emptied me


pictures or it didn't happen
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davebike
World Chat Champion



Joined: 15 Nov 2013
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PostPosted: 07:06 - 25 Jul 2020    Post subject: Reply with quote
One of my customers
https://www.passengerbikes.com

Insurance is the big issue ! most riders are IAM Rospa or ex police

He has been doing it over 20 years so must work there is about a dozen bikes in London and the surroundings
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NC750Xdct + others at work !
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MCN
Super Spammer



Joined: 22 Jul 2015
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PostPosted: 09:10 - 25 Jul 2020    Post subject: Reply with quote
You'll need a big bike.
1000cc +.

A 600 or almost anything under 1000cc will be pantaloons.
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.
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MarJay
But it's British!



Joined: 15 Sep 2003
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PostPosted: 10:29 - 25 Jul 2020    Post subject: Reply with quote
Virgin limo bikes went under because the idea of taking pillions for money scared the bejeezus out of insurance companies. Just sayin'.
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Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.
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recman
World Chat Champion



Joined: 26 Mar 2012
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PostPosted: 14:49 - 25 Jul 2020    Post subject: Reply with quote
Do it for 'free'.
https://i.postimg.cc/LsN7gfy0/tenor.gif
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Ste
Not Work Safe



Joined: 01 Sep 2002
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PostPosted: 15:23 - 25 Jul 2020    Post subject: Reply with quote
recman wrote:
Do it for 'free'.

What a Dirty Bertie trick, insurance companies will have never encountered such Bertie trickery before. Thumbs Up
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MCN
Super Spammer



Joined: 22 Jul 2015
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PostPosted: 19:06 - 25 Jul 2020    Post subject: Reply with quote
Bike Britain with Dirty Bertie.
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Old Thread Alert!

The last post was made 5 years, 214 days ago. Instead of replying here, would creating a new thread be more useful?
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