Insured for other bikes

Feasty · World Chat Champion Joined: 01 Nov 2006 Karma :

My bike insurance covers me to ride other people's bikes with their permission.
I'm hopefully buying a 2nd hand bike privately in a few days and to cover the insurance of riding home, I'm thinking of dating the sale paperwork for the following day. That way I won't own the bike until after I get home and so the insurance will be valid.
Obviously I'll make sure the seller is happy to do this, and for legal requirements I'll just be 'testing' the bike out on the way home.

See any issues with this?
____________________
Previous: Aprilia Habana Retro 50cc (beauty), Yamaha SR125 (fell apart), Honda XR125 (nippy little commuter), Honda SLR650 (Geewhizz), Yamaha Diversion 900S (Smoooooth) written off courtesy of a stupid escaped horse.
(7 year gap), BMW F650 (Relaxing ride). Aprilia Caponord ETV1000 (Big and bold). Yamaha FZS600 (got me in trouble too quick!).
Current: Yamaha TDM 900 (Comfy, light but big, power when needed).

Evil Hans · World Chat Champion Joined: 08 Nov 2015 Karma :

BRUN · Trackday Trickster Joined: 10 Oct 2020 Karma :

as above, your relying on the previous keeper keeping their policy valid, for you, once you leave, which they surely wont do, they will cancel it the minute you ride away

blurredman · World Chat Champion Joined: 18 Sep 2010 Karma :

Ste · Not Work Safe Joined: 01 Sep 2002 Karma :

The real plan is to see how many speeding tickets and parking tickets you can get whilst it's still registered to the previous owners?

When do you intend on insuring it?

Feasty · World Chat Champion Joined: 01 Nov 2006 Karma :

xX-Alex-Xx · World Chat Champion Joined: 12 Sep 2019 Karma :

Polarbear · Super Spammer Joined: 24 Feb 2007 Karma :

Feasty · World Chat Champion Joined: 01 Nov 2006 Karma :

Ayrton · World Chat Champion Joined: 02 Sep 2010 Karma :

V5 isn't proof of ownership according to the DVLA so just waiting until the next day to fill it out doesn't mean you don't own the bike, so I doubt if the insurance would actually be valid.

xX-Alex-Xx · World Chat Champion Joined: 12 Sep 2019 Karma :

Freddyfruitba... · World Chat Champion Joined: 20 May 2016 Karma :

Feasty · World Chat Champion Joined: 01 Nov 2006 Karma :

Yeah fair enough, totally get that.

At the end of the day I won't be doing it this way anyway as I don't believe the seller currently has the bike insured.
____________________
Previous: Aprilia Habana Retro 50cc (beauty), Yamaha SR125 (fell apart), Honda XR125 (nippy little commuter), Honda SLR650 (Geewhizz), Yamaha Diversion 900S (Smoooooth) written off courtesy of a stupid escaped horse.
(7 year gap), BMW F650 (Relaxing ride). Aprilia Caponord ETV1000 (Big and bold). Yamaha FZS600 (got me in trouble too quick!).
Current: Yamaha TDM 900 (Comfy, light but big, power when needed).

rpsmith79 · World Chat Champion Joined: 31 Jan 2017 Karma :

If the seller doesn't cancel their insurance straight away, they are open to whole world of pain

https://www.whitedalton.co.uk/motorbike-blog/2013/10/i-sold-my-bike-but-didnt-cancel-my-insurance/

I'm sure there was a news story a few years back where this exact same thing happened, and the guy who bought the bike rode into a bus stop full of people or something similar, and the guy who sold was liable for the lot, as he was still the holder of the policy, and he knowingly let someone ride his bike away who was not insured
____________________
Current Bike: ~~Honda CG125 ES4~~ // ~~Honda CB600FS Hornet~~ // Triumph Street Triple R

MCN · Super Spammer Joined: 22 Jul 2015 Karma :

You would not ride home on my insurance.

Are you prepared to pay the loading on any other vehicle insurance premiums I need?

I didn't think so.

Ultimate Creation of a problem that doesn't need to exist.
____________________
Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

to v or not to v · World Chat Champion Joined: 24 Nov 2020 Karma :

so what bike are you buying?
____________________
current bike Yamaha Thunderace.
its old and fat, but its a damned good ride. the bikes not bad either.

MercurialWarc... · Derestricted Danger Joined: 26 Apr 2016 Karma :

Aye, my views pretty much match those already posted above.

MCN · Super Spammer Joined: 22 Jul 2015 Karma :

Feasty · World Chat Champion Joined: 01 Nov 2006 Karma :

Evil Hans · World Chat Champion Joined: 08 Nov 2015 Karma :

DUCAUDI · World Chat Champion Joined: 17 May 2019 Karma :

Diggs · World Chat Champion Joined: 03 Apr 2007 Karma :

I once bought a GS550 from someone and tried to ride to London town the following day on the assumption that my insurance worked because his still did. I broke down half-way (Leicester Forest East), and after a somewhat futile argument between all parties ended up with a fine and six points.

Two things to note:

1. Don't try to outsmart the system.

2. Don't buy a GS550 without running it with the lights on and sniffing for burning...
____________________
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...

P. · Red Rocket Joined: 14 Feb 2008 Karma :

I've never just taken my plate off and attached to a bike I picked up...

I've had many instances of bikes with 2 policies on them, with the same insurance provider, you can't claim on both though, that's fraud. Couldn't add a named rider on L plates and bike was shared, so both running a policy was the only way and accepted by the insurer.

In your situ tho, just insure it and cancel next day. 'it didnt suit me' - I used one call insurance for mine as there was no admin fee before 14 days bar the 1 day cover I used.

Feasty · World Chat Champion Joined: 01 Nov 2006 Karma :

Thanks for all the replies, and yes I've ridden the TDM once and love it! It's got a power commander, not something I've ever used before so something to learn all about - but that's for another topic.

I ended up taking out a 1 day insurance policy for £35, then when I got home and was sure the bike was all good I was able to do an early renewal on my current insurance to include both bikes. At least that way my NCB keeps going and I can ride both whilst I'm selling my Fazer.
Then when sold, I'll remove the Fazer from the policy, which means they'll kick me in the balls with an admin fee and limited reduction for just having the one bike - but hey, I'll remember this when it comes to renewal next year and go elsewhere.

Oh and if I hadn't already made the decision to leave them, I got a quote last week for the early renewal. Then when it came to taking it out yesterday suddenly it was almost £40 more! Thanks Bikesure... Evil or Very Mad

____________________
Previous: Aprilia Habana Retro 50cc (beauty), Yamaha SR125 (fell apart), Honda XR125 (nippy little commuter), Honda SLR650 (Geewhizz), Yamaha Diversion 900S (Smoooooth) written off courtesy of a stupid escaped horse.
(7 year gap), BMW F650 (Relaxing ride). Aprilia Caponord ETV1000 (Big and bold). Yamaha FZS600 (got me in trouble too quick!).
Current: Yamaha TDM 900 (Comfy, light but big, power when needed).

DUCAUDI · World Chat Champion Joined: 17 May 2019 Karma :

My boy was with Bennetts last year around £500

Renewal for this year £950 and he's got one more NCD and not had any accidents or claims or points.

Work that one out!
____________________
2023 DucAudi Mehrstraße V4 Hechte Gipfel - "Objectively the best motorcycle ever produced" - "You can have any colour, as long as it's red"
2021 Honda CMX500 Rebel S