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supaste

Joined:

Aug 10

Posts: 9

supaste says:

Adding riders to my insurance

If I create an insurance policy is it legal to add riders to my policy even if there is a chance that they may never actually ride my bike?

I want to add a friend to my policy who may never  ride my bike except for possibly testing it around the block after maintenance.  The main reason I want to do this is because he is a dramatically lower risk rider than myself - he is older and has held his licence for many years where as I am young and have held my licence for less than a year.

The main reason I wanted to do this was because I realised that adding an experienced rider to my policy dramatically reduces the price of the insurance. The point I'm getting at is does the person I am adding to the policy have to have some intention of riding the bike throughout the period it's insured?

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  • Posted 4 years ago (17 April 2011 12:14)

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AdieR

Joined:

Apr 08

Posts: 3042

AdieR says:

Yes,

you can put your mate on the insurance as a named rider if you wish - he doesn't need to ride it.

Insurers look at it from the point of view that a named rider will only be using it part of the time anyway,  whereas the policyholder will have full-time use of it.

Hope that helps.

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supaste

Joined:

Aug 10

Posts: 9

supaste says:

OK thanks,

I wasn't sure if it bore some sort of similarity to fronting.

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MarcusMarsh

Joined:

Aug 09

Posts: 2726

MarcusMarsh says:

Additional Riders

You can add another rider to the policy and it will not matter whether they ride your bike or not.  (The insurance company will be happy to take your money either way!)  However, you will not achieve what you are looking for.  Insurance is a game of risk asessment and, as it is your policy and you are the main rider, the premium will asessed on you.  Adding you mate will INCREASE the costs of your policy - not by much; probably just an admin fee as he is less of a risk than you.  Adding more experienced riders to your policy does not reduce your insurance costs. 

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