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ST1300courier

Joined:

Mar 11

Posts: 3

Pillion Insurance

I use my bike for my work and have it insured third party only to reduce costs. My insurer has put a couple of restrictions on use, no riding of other bikes - OK, no big deal for me, and no pillion cover. Being an aged motorcyclist I can remember a big fuss being made many years ago when pillion insurance was made compulsory. Has that been changed ? I never take a pillion but just supposing I did, would I be riding illegally or would it just be a matter of the pillion passenger not being covered by my insurance in the event of an accident?

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  • Posted 4 years ago (24 March 2011 20:15)

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paulnwt

Joined:

Jun 08

Posts: 10

paulnwt says:

You're not covered

If you carry a pillion your are effectively riding with no insurance. It will qualify you for six points and a fine. If you have an accident you will have to pay compensation to the passenger out of your own pocket and you may even face a an additional undue care charge. If you want to carry passengers, let your insurance know. Adding it to your policy shouldn't cost much if anything at all. I do also remember that I asked for just third party only insurance once and it was even more expensive than TPFT. Make sure you explore your insurance options properly and that it fits your needs. It will cost you less should anything happen.

[This Reply has been modified by the Author]

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jaffa90

Joined:

Mar 09

Posts: 8816

jaffa90 says:

pillion

I`m insured for a pillion cover but the pillions are not insured.  

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littleredrooster

Joined:

Aug 02

Posts: 467

Pillions

paulnwt says:

You're not covered

If you carry a pillion your are effectively riding with no insurance. It will qualify you for six points and a fine.

Wrong on both counts. Compulsory insurance for the road applies to Third Party risks only as a legal minimum. Pillions are not Third Parties.
It means that your pillion cannot claim against your insurance in the event of an injury-accident.

Bollox about 'undue care' charge as well. You may well get charged with any of the categories relating to careless/dangerous driving but this has nowt to do with having/not having pillion insurance.

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SlowLearner

Joined:

Feb 10

Posts: 1953

SlowLearner says:

Pillion insurance

Was surprised to be asked about this, and since it's only likely to be the misses on the sports bike once in a blue moon, I was a bit hesitant.   But they said it's only maybe 2% on top of the standard.  Asked for a quote with and without such cover, that confirmed we were only talking about a few quid.


What is a bit annoying, though, is who asks you if you're going to be taking passengers when you get car insurance?  I've never been asked!   Why are bikes getting the third degree and premiums for passengers then?  :mad:

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JohnBiker4

Joined:

Oct 08

Posts: 14

JohnBiker4 says:

Pillion Insurance

You can put restrictions on your policy, such as limiting the annual mileage and cover for pillions, subject to the insurer. In reality, it may only be the difference of a few pounds anyway. Even if you carry a pillion once in a blue moon, I would never chance not having insurance to cover them. Sod's Law says that it will be on the occasion that you will be carrying the pillion when you have an accident. Now, it will not matter from a compensation point of view if the accident wasn't your fault but if it was or even partly your fault, you could be seriously out of pocket by thousands of pounds. From my point of view, not only do I have a duty and responsibility to other road users but more so to my pillion who put their trust in me. I am not going to let them down by not properly insuring them.

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ST1300courier

Joined:

Mar 11

Posts: 3

Pillion insurance

Unfortunately it is not a question of having pillion cover "for a few pounds", my insurer has said if I want to carry a passenger he won't insure me. Which brings me to the first part of my question; I thought pillion cover was compulsory, when did it not become so?

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Z1000MAN

Joined:

Oct 10

Posts: 109

Z1000MAN says:

legal robbery !

" it may only be the difference of a few pounds anyway "

it is not only a few pounds. I'm paying £110 extra, for a pillion cover. :mad:

btw ; this country sucks

[This Reply has been modified by the Author]

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mzrider

Joined:

Aug 02

Posts: 2

mzrider says:

Pillion insurance

Like ST1300, I am old enough to remember when it became a legal requirement for all motorcyclists to have pillion insurance in the 1970's - no exceptions were allowed.  Even one of the people I worked with had to pay the extra on his Puch Maxi, and it only had a single seat.
I think the insurance companies are pulling a fast one here and it this needs to be challenged. 
If you refused insurance for carrying a pillion I would take it to the insurance ombudsman for clarification. 
Maybe MCN could investigate this further, after al they do have the expertise to do this.

[This Reply has been modified by the Author]

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brownyh1

Joined:

Jul 11

Posts: 1

brownyh1 says:

Can a pillion insure themselves?

Is there such a thing as personal pillion insurance so the pillion passenger is covered, or would the bike insured still be invalidated through carrying a passenger?

 

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littleredrooster

Joined:

Aug 02

Posts: 467

Pillions

Brownyh1 says:
"....or would the bike insured still be invalidated....."

There's nothing to invalidate as it's not compulsory!

If you don't opt to have pillion insurance, the insurance company won't pay any compensation to an injured pillion passenger. If they wish, they may claim against you personally, so if you carry a pillion, it's probably best to have insurance.

I'm sure a pillion could take out personal accident insurance to cover this for themselves if they wanted.

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