Insurance advice
Daz
cover on your own bike, does the bike have to be insured by the lender
and can that lender be my SO?
This seems way too easy for getting the Fazer on the road without
needing a multibike policy but you never know!
--
Daz
http://www.decaldesign.co.uk
R1 - Arriving shortly
Pip
>If you ride a bike owned by someone else using the "TP any other bike"
>cover on your own bike, does the bike have to be insured by the lender
>and can that lender be my SO?
My hindbrain reminds me of a clause referring to this situation that
reads something like "providing there is another insurance policy in
operation for this vehicle" - as well as the permission from the owner
thing. Vehicles have to be covered for damage and injury they may
cause when the rider/driver is not at the controls - car rolling away,
bike falling over on a pedestrian, that sort of thing - that your TP
only wouldn't cover.
>
>This seems way too easy for getting the Fazer on the road without
>needing a multibike policy but you never know!
As you say, mate - way too easy. Bugger, innit.
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Bear
> Daz <uk...@frozenorange.co.uk> struggled to ejaculate:
> >This seems way too easy for getting the Fazer on the road without
> >needing a multibike policy but you never know!
>
> As you say, mate - way too easy. Bugger, innit.
IIRC this used to be a popular dodge a few years ago. Insure a cheap
bike (no checks available on who insured what in those days), register
your big bike in a mate's name and address, ride it TPO at a fraction of
the cost. No theft or full comp cover, mind, but do you care about these
things when you're 18? Course you don't.
I would be utterly amazed if the thieving bastard InsCos hadn't closed
the loophole.
--
Bear
"Don't believe the hype"
Today's music: Miles Davis "Kind Of Blue"
danny_de...@yahoo.co.uk
> If you ride a bike owned by someone else using the "TP any other
bike"
> cover on your own bike, does the bike have to be insured by the
lender
> and can that lender be my SO?
Yes. She needs to be insured on the bike. I ride my SO's this way.
Doesnotcompute
>As you say, mate - way too easy. Bugger, innit.
Add to that the fact that presumeably, if SO insured it, she should be
able to demonstrate that she is the main user of said vehicle?
Although that's a real 'wriggle out' clause imho.
--
Dnc
prawn
wessie
> If you ride a bike owned by someone else using the "TP any other bike"
> cover on your own bike, does the bike have to be insured by the lender
> and can that lender be my SO?
>
> This seems way too easy for getting the Fazer on the road without
> needing a multibike policy but you never know!
>
I've just read the policy document for my car insurance. It does not
mention that the vehicle must be insured by the owner/keeper for the "drive
other vehicles" section to be valid.
However, unless the vehicle already has a tax disc you will not be able to
get one as you will need a certificate bearing the Fazer's reg. Of course,
if the Fazer has a tax disc then this provides a useful stop-gap measure if
you are happy without theft cover.
--
BMW R1150GS
MattG
> Daz <uk...@frozenorange.co.uk> struggled to ejaculate:
>
> >If you ride a bike owned by someone else using the "TP any other bike"
> >cover on your own bike, does the bike have to be insured by the lender
> >and can that lender be my SO?
>
> My hindbrain reminds me of a clause referring to this situation that
> reads something like "providing there is another insurance policy in
> operation for this vehicle" - as well as the permission from the owner
> thing.
That's the standard clause, IME. Also worth being aware than some
insurance companies state "Any other vehicle, excepting those
belonging your partner." I've only seen that one once, I have no
idea if many companies make that exception.
--
an eye for an eye makes the whole world blind
Dave Painter
"Daz" <uk...@frozenorange.co.uk> wrote in message
news:78l401lf4q09n4ml1...@4ax.com...
> If you ride a bike owned by someone else using the "TP any other bike"
> cover on your own bike, does the bike have to be insured by the lender
> and can that lender be my SO?
>
> This seems way too easy for getting the Fazer on the road without
> needing a multibike policy but you never know!
>
Short answer from DVLA is yes, the main rider must be insured to use the
vehicle.
If there is no main rider then the owner is responsible for insurance.
Check out MAG web site regarding new government policy, suggesting that all
vehicles
must be insured at all times, including the basket of bits in the shed.
Dave
Ferger
> If you ride a bike owned by someone else using the "TP any other bike"
> cover on your own bike, does the bike have to be insured by the lender
> and can that lender be my SO?
>
> This seems way too easy for getting the Fazer on the road without
> needing a multibike policy but you never know!
Uberrimae fidei innit.
--
F
Sprint RS "Big Yellow"
COO#1
The Older Gentleman
Now there's an expression I haven't heard since my law student days.
--
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Ferger
>>
>> Uberrimae fidei innit.
>
> Now there's an expression I haven't heard since my law student days.
Law for Bankers is where I came across it, back when I was one.