Skip to content

General Insured for all bikes? General

You are in... Forums > General > General > Insured for all bikes?

Got something to say?

Got something to say?

Go to most recent reply

karlmelton

Joined:

Jul 11

Posts: 108

karlmelton says:

Insured for all bikes?

Hey guys, recently reading my insurance policy and it states that I can ride other bikes on third party only, im insured with MCE can anybody else explain more about this?

Can I ride any bike if its insured or not?
Attached is a screencap of what the policy says
Thanks guys

  1.  
  2.  
  3.  
Reply to this Topic  
  • Posted 2 years ago (22 January 2013 02:51)

Post a message in General

Fields marked with an asterisk * are required

   

Please note. You cannot submit more than 4000 characters as a message.

Upload image(s) from your computer (up to 3 images)

  1.  
  2.  
  3.  

Terms of use

Use of our community areas and forums is subject to important terms of use. By joining our community and using the features you agree to be bound by these terms. See terms of use below. 

Cancel
karlmelton

Joined:

Jul 11

Posts: 108

karlmelton says:

Screencap didnt upload

heres a link 

Reply to this Topic
preunit

Joined:

Dec 10

Posts: 11971

preunit says:

"Can I ride any bike if its insured or not?"

Yes..as it say's, but you rightly pointed out third party cover only, so maybe think twice before you jump on a Desmosedici, bin it,your fault?, you pay :shock:

Plus you'll need the owners permission.

Reply to this Topic
eatcs01

Joined:

Aug 02

Posts: 3277

eatcs01 says:

insurance

Did you know that you're not insured to carry pillions on your bike?

Reply to this Topic
AlbertHerring

Joined:

Nov 09

Posts: 317

exclusion

It doesn't state it explicitly on there, but "not owned by you" might get stretched to "not registered at your address" - mine explicitly excludes other bikes owned in the same household.
And, as others have said - third party only, so that means it basically comes down to very trusting/stupid mates or test rides with a big wodge of twenties as collateral...

Reply to this Topic
Meatbingo

Joined:

Jun 12

Posts: 329

Meatbingo says:

Exclusions indeed

With insurance these days the policy wording is very often misleading. There will most likely be exclusions that you need to trawl through the handbook to find. Never take anything at face value when it comes to insurance. Usually, the bike must be insured by someone else. :unsure:

Reply to this Topic
AlbertHerring

Joined:

Nov 09

Posts: 317

I guess

... that if it's not otherwise insured then it has to be SORNed now, and if it's SORNed then it can't be taken on the road except to get an MOT (IIRC).

Reply to this Topic
MarcusMarsh

Joined:

Aug 09

Posts: 2716

MarcusMarsh says:

Insurance coverage

Read the policy wording very carefully - a lot of fully comp policies will allow you to ride other bikes 'not belonging to you and not hired to you under a hire purchase agreement' BUT the bike does have to be insured by the owner.  Your policy will still pay out on a third party only basis but for your coverage to be in place the machine needs to have the owners policy on it.  I am not sure of the legal reasons behind this but you don't want to get caught out. 

Reply to this Topic
jaffa90

Joined:

Mar 09

Posts: 8946

jaffa90 says:

ins

Marcus is correct,the other bikes should also have a policy and it`s only third party cover.

Reply to this Topic
smidget

Joined:

Nov 07

Posts: 2424

smidget says:

And

in the really tiny small print you might find that you have to imform the insurer that you intend to ride said un-owned bike before hand and get their approval.

Reply to this Topic
KrismusSikpunz

Joined:

Mar 12

Posts: 1286

Now just to complicate the matter a bit further...

What is the position when the owner of said bike that you may fancy a ride on, has a rider policy?


So each bike does not have its own insurance policy.

Would you be covered riding one of this persons bikes?

Reply to this Topic

Page

Compare Insurance

Save money by comparing quotes. It's quick and easy

Motorcycles for sale

 

It's only £13.99 to advertise your motorcycle on MCN

Sell your Motorcycle

Motorcycle pricing tool

New! Find used bike prices