insurance question

It about to come up to renewing my insurance. What I would like to do is keep it TPFT but make it so that i am insured on other bikes and cars thrid party only. is this possible>?

thanks

[G]

I'm no insurance expert but

1 - I'm 99% sure you have to be Fully Comp to entitle you to 'ride' other bikes, and even then you will be Third Party Only on those other bike.

2 - As far as I'm aware Bike insurance that allows you to ride other bikes Third Party Only will not allow you to drive cars. As car insurance does not allow you to ride bikes etc.

3 - Insurance companies only offer it if your over 25 I have found on bikes.

[the_lone_wolf]

Originally Posted by graemepaterson

3 - Insurance companies only offer it if your over 25 I have found on bikes.

were you refering to the riding other bikes bit?

i'm 23 and insured to ride any bike that doesn't belong to me 3rd party only with the owners permission, with Express Insurance

[G]

Originally Posted by the_lone_wolf

were you refering to the riding other bikes bit?

i'm 23 and insured to ride any bike that doesn't belong to me 3rd party only with the owners permission, with Express Insurance

Cool I have been fobbed off then, I always tried to get my cars insured in this way and it was fine. But couldnt get it when i was looking for bike insurance.

on my last insurance i was only TPFT but i could ride other bikes that i did not own with the owner permission TP. I was 22 then.

I was really hopping that I would be able to get a car TP on that, becasue it would make life so much easier as i dont own a car but 3 of my housemates do!

[the_lone_wolf]

Originally Posted by pencil shavings

I was really hopping that I would be able to get a car TP on that, becasue it would make life so much easier as i dont own a car but 3 of my housemates do!

h&r insurance might be able to set something up like that, i get stuff from them about being able to put your bike on your home contents insurance while you lay it up for winter, but as a general rule i very much doubt you'll get a company willing to insure you for car use on a motorcycle policy, especially TPFT

Originally Posted by the_lone_wolf

h&r insurance might be able to set something up like that, i get stuff from them about being able to put your bike on your home contents insurance while you lay it up for winter, but as a general rule i very much doubt you'll get a company willing to insure you for car use on a motorcycle policy, especially TPFT

true.

I will see the costs of going to Fully comp if they would throw that in. As im 23 now there might be a larger price drop? or so ive been told?

Originally Posted by graemepaterson

I'm no insurance expert but

1 - I'm 99% sure you have to be Fully Comp to entitle you to 'ride' other bikes, and even then you will be Third Party Only on those other bike.

2 - As far as I'm aware Bike insurance that allows you to ride other bikes Third Party Only will not allow you to drive cars. As car insurance does not allow you to ride bikes etc.

3 - Insurance companies only offer it if your over 25 I have found on bikes.

You're right graeme, you're not an insurance expert.

1 - I'm 100% sure that with some companies, if you're TFPT on your bike, you can ride other bikes TPO.

2 - I'd agree, you won't find a bike policy that allows car usage, as it's a different vehicle type.

3 - I'm 24. Now see #1.

FWIW, AutoNet insurance were the ones I was with TPFT on the SV. It's them that I'm now with Fully Comp. I get 60 days free Euro cover too now that I'm fully comp.