Riding other bikes on your insurance?

[Fallout]

I'm getting quotes on some websites at the moment. I've been TPFT for the last 3 years but this hasn't given me cover to ride other peoples' bikes. I've always been led to believe that a Comprehensive policy is needed to ride other bikes.

Is this true? I'm looking at buying a fully comp policy but can't get any details on what it includes until I buy it (bloody aggregator websites!)

[DJ123]

nope, on some 3rd party policies they allow you to ride other bikes. It's all in the small print, best thing to do is ask them the question. Most restrict it on a policy for age reasons and that's about it

[missyburd]

I've been TPFT this last year with Bikesure and had cover on other bikes. And overseas. In the process of sorting out this next year, urgh, hate shopping for it with a passion :/

P.S. When planning on renewing insurance with MCE I wanted cover on other bikes....was then missold a policy after repeatedly asking them to confirm over the phone that I was getting it...then I got the documents through and read the small print :smt097

[Fallout]

Cool. Cheers guys/gals. I'll give my insurers a bell tomorrow and see what the deal is and what they'll quote me for renewal. They have to compete with £51 TPFT and £92 Comprehensive on CompareTheMarket. :D

[missyburd]

:shock: £51 blimey that's cheap!

[Geodude]

£92 fully comp im over 40 (i know i only look 20) and just paid cheapest i could find at £137 :(

[Bluepete]

Just make sure that the bike you are riding has a policy of insurance as well. You could find yourself with six points very easily.

Pete ;)

[Geodude]

Good point Pete.

[Jayneflakes]

I need to have a look at insurance on our bikes, we are due in about two weeks, but the company we are with have been so good and easy to use I may just renew with them. It depends on what other quotes I can get first, which means that I have to go and look first, which is a pain in the back side.

Anyway, on our current insurance, both the wife and I are covered to ride other bikes, but they must not belong to us or be hired to us and the insurance is third party only on borrowed bikes. Again, you do need to check the fine print on these things, I did not even know that I had it? Currently, the wife is also insured on my bike, but she has had a couple of accidents in her work car that are currently being disputed, so I may have to ditch her from the policy to get it cheaper.

[mep]

Our son rides a resricted Fazer which is insured TPFT with Hastings and allows him to ride other bikes. When his liscense restriction is up at the end of July I'll swap with him for a good ride around some twisties so he knows what he's missing in the low end torque department. I can't wait to see the look on his face afterwards.

[Bordtea]

My policy is TPFT and it says on my certificate that I'm insured to ride other bikes with the owners permission and providing that they are also insured.

[TamSV]

There's no "standard" for this so you need to check your own policy and certificate. It's each insurers decision if and how they provide the cover although by convention it is TPO cover and excludes your own vehicles.

It doesn't matter if the policy is TPFT, you're under 25 or riding a small capacity bike. There's no rule that says you will or won't have the cover (although those categories are more likely not to have it).

These days, the policy often stipulates that the "borrowed" vehicle must be specifically insured elsewhere, but that's not always the case.

I have also seen a condition that the borrowed vehicle is not registered at your address.

[Dicky Ticker]

The majority of policies that allow you to ride another persons bike stipulate that it is on a 3rd party basis.
Some one asks to ride my bike they can as long as they have valid insurance but I always say"If you bend it you mend it and I use your bike meantime"
Some how that seems to put people off.

Be very wary of what is in your insurance regarding riding other bike,make sure you read ALL the small print in your policy.

[AkiraSV]

Last year I was TPFT with MCE, and wasn't allowed to ride other bikes. This year I'm again TPFT, but with Hastings, and I'm allowed to ride other bikes. I guess it depends on the insurer?

[chezvegas85]

Bennetts (Equity red star) TPFT here, other bikes are covered for me (3rd party) and it cost £75.96. Detailed breakdown as follows:

Riding other Motorcycles
Liability under this section is also extended, where the certificate of motor insurance says so, to
insure you to ride any Private Motorcycle where an insurance policy already exists which covers that
Private Motorcycle separately to this policy, that you do not own and have not hired under a hirepurchase or leasing agreement, with Third Party Only cover. Where this extension applies, cover will
not apply for:
• use of any Private Motorcycle without the owner’s permission.
• use to secure the release of any other Private Motorcycle which has been seized or confiscated
by or on behalf of any government or public authority.
• damage to the motorcycle you do not own.
• any accident which happens outside the United Kingdom.
• any accident which happens when this insurance is not in the name of one person.
• any liability if you no longer have possession of your Motorcycle, if it has been damaged so
much it is not worth repairing or if it has been stolen.

It pretty much echoes what others have said.

[Dave20046]

Just make sure that the bike you are riding has a policy of insurance as well. You could find yourself with six points very easily.

Pete ;)
Keep meaning to ring my insurers about this as their policy wording is vague
I was offered a test ride by a garage but their insurance didn't cover it , the trader was insured to ride the bike and I have 3rd party on other bikes but didn't as I was thinking the traders policy applied to the staff rather than individual vehicles... is that likely to be right?

[startrek.steve]

When I enquired about this, (After) I rode a bike home that a mate had purchased, they said I could only ride a bike not belonging to me that WAS insured by the owner!