View Full Version : 3rd Party Ride Other Bikes Question
Ok, if i was to get another bike and register it in my parents name (dont have bike licence), it would not be insured by legal owner, but would have road tax & MOT. Now the question is would it be legal for me to ride this on my insurance as it would not legaly be my bike and so it satisfies the insurance guide.
No, it would not be OK.
The bike you are riding must have its own insurance.....
You cannot get tax without it......
:? would the bike be insured by anyone?
No, it would not be OK.
The bike you are riding must have its own insurance.....
You cannot get tax without it......
Well we had that discussion at Soho with some other members and it was said that insurance was not needed on the other vech if you were using your own insurance. I thought it was needed though.
on the second point you can get road tax on a bike with only a 1day insuance cert.
on the second point you can get road tax on a bike with only a 1day insuance cert.
Of course you can, same with MOT, don't make it legal though.
I think you will find that if you read the small print of the policy offering cover on any other bike it will say that the bike needs to be insured in its own right - otherwise how many people would not bother with multibike policies and just sign the bike over to someone else?
Well we had that discussion at Soho with some other members and it was said that insurance was not needed on the other vech if you were using your own insurance. I thought it was needed though.
on the second point you can get road tax on a bike with only a 1day insuance cert.
While DVLA were taking forever to sort out the V5 for the CBAaaarrrgh and "officially" it was owned by the person I bought it from I mistakenly thought I was covered by my 3rd party. Fortunately I was corrected on that assumption fairly swiftly and I duly sorted out full insurance. :oops:
However, in the meantime I took the copy of the V5 for previous owner along with mot and my insurance policy for SV showing I was covered 3rd party to ride the CBAaaarrrrghhh and got nowhere with the guy behind the counter as far as getting a tax disc went. I was told in no uncertain terms to come back when I had an insurance policy which was for the CBAaarrggh as the main bike.
Well its looking bleak, i want another bike but insurance is ludicrously high at my house. Dont worrey i am not going to ride uninsured on a bike, im going to get it sorted.
Well its looking bleak, i want another bike but insurance is ludicrously high at my house. Dont worrey i am not going to ride uninsured on a bike, im going to get it sorted.
Multibike policy?
Otherwise I used to insure all my bikes as extra bikes on a classic bike policy (some crappy old KE125 I own that does not even run). Saved me about 30%.
Multibike, i will check with my current insurers on that, but im sure it will still hike massively due to the bikes i am looking at.
Well its looking bleak, i want another bike but insurance is ludicrously high at my house. Dont worrey i am not going to ride uninsured on a bike, im going to get it sorted.Ok, very ddgy but not as much as being without insurance. Insure the bike in your name at your parents! I know that this isnt exactly cosher, but i know a fiar few people that do it with thier cars, so why not bikes. Just got to hope that it dosent get knicked!
Well its looking bleak, i want another bike but insurance is ludicrously high at my house. Dont worrey i am not going to ride uninsured on a bike, im going to get it sorted.Ok, very ddgy but not as much as being without insurance. Insure the bike in your name at your parents! I know that this isnt exactly cosher, but i know a fiar few people that do it with thier cars, so why not bikes. Just got to hope that it dosent get knicked!
Ok, thats in Peckham = does not help. I wish they lived in the middle of nowhere.
on the second point you can get road tax on a bike with only a 1day insuance cert.
Of course you can, same with MOT, don't make it legal though.
I think you will find that if you read the small print of the policy offering cover on any other bike it will say that the bike needs to be insured in its own right - otherwise how many people would not bother with multibike policies and just sign the bike over to someone else?
it doesnt mention anything like that of my small print. but i would assume that its not legal, as when its parked up, and you leave it, your not insured anymore, therefore it is an offence leaving an uninsured veichle on a highway.
The small print in my insurance policy says that I'm insured to ride other bikes, but that insurance will be treated as TPO. Also, the bike must NOT be insured by any other policy that allows other riders. If this is the case, my policy has a clause that states I'm not covered to ride it, and must claim from the cover on the bike (since it's insured for other riders).
Also, since my insurance is TPO, it's not covered if I set it on fire, or park it & it gets stolen.
I don't know if parking on a public road without insurance is an offence, but as we all know, riding/driving on one is.
Multibike policy?
Otherwise I used to insure all my bikes as extra bikes on a classic bike policy (some crappy old KE125 I own that does not even run). Saved me about 30%.
A lot of classic bike pilicies limit you to 3,000 miles or so which wouldn't be a lot of help....
A lot of classic bike pilicies limit you to 3,000 miles or so which wouldn't be a lot of help....
True, mine was 5000 I think, but the co never took the start milage of any of my bikes so my true milage in a year could never be known or proved (2 of the bikes were younger than 3 years so MOT records do not exist either).
The small print in my insurance policy says that I'm insured to ride other bikes, but that insurance will be treated as TPO. Also, the bike must NOT be insured by any other policy that allows other riders. If this is the case, my policy has a clause that states I'm not covered to ride it, and must claim from the cover on the bike (since it's insured for other riders).
The reason for that clause is basically the ins co is saying that you are only covered TPO on other bikes IF you are not covered any other way - it is basically for emergencies only and if you used another bike regularily and they found out and could prove it then I bet they could wriggle out of a claim on that bike.
Also, since my insurance is TPO, it's not covered if I set it on fire, or park it & it gets stolen.
Which is a big problem IMHO.
I don't know if parking on a public road without insurance is an offence, but as we all know, riding/driving on one is.
I think parking is an offence, but I cannot find any proof on the 'Net. The reason TPO ins is compulsory (Road Traffic Act) is so that TP's are covered if your vehicle does anything to them in a public place - eg if your bike set itself on fire whilst parked and injured a TP then they could claim.
Basically I am certain that the bike needs to be covered (usually by owner) if you are going to use you ins to ride it TPO - and that is for emergencies only (which the RAC website does say).
and that is for emergencies only (which the RAC website does say).
well i dont really think they have got any right in saying that, as they are not linked to my insurance company in any way and cannot tell me what i can and cant do.
if my insurance company chooses to give me cover, then i shal use it whenever i decide, not when the RAC permit :)
soap box has been put away now
as you were people
;)
well i dont really think they have got any right in saying that, as they are not linked to my insurance company in any way and cannot tell me what i can and cant do.
Sorry, the RAC were refering to their own policy and I am assuming that is the general consensus of all insurance companies (which I always believed it was), I just cannot find any evidence of that.
Ceri JC
10-11-06, 10:39 AM
Multibike policy?
Otherwise I used to insure all my bikes as extra bikes on a classic bike policy (some crappy old KE125 I own that does not even run). Saved me about 30%.
A lot of classic bike pilicies limit you to 3,000 miles or so which wouldn't be a lot of help....
This is true. Good for winter hacks/weekend warriors though; a mate who only used his bike round town, hence mileage wasn't an issue had it fully comp'd for £240 (23, first year riding, no ncb).
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