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Offline kev hall2

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insuring a 2nd bike
« on: June 25, 2014, 12:41:41 AM »
I understand that if you are fully comp you can ride someone else's bike third party on your own insurance if you don't own the bike but are comp. When the S1R arrives (hopefully end Aug) I could insure both but what stops me registering my current bike in my wife's name and riding it Third Party on my own insurance?


Offline Southwood

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Re: insuring a 2nd bike
« Reply #1 on: June 25, 2014, 12:51:40 AM »
*Originally Posted by kev hall2 [+]
I understand that if you are fully comp you can ride someone else's bike third party on your own insurance if you don't own the bike but are comp. When the S1R arrives (hopefully end Aug) I could insure both but what stops me registering my current bike in my wife's name and riding it Third Party on my own insurance?

Hi Kev, as far as I understand it, the S1R would have to have its own insurance or it would not be listed on the national insurance register. There would be a risk of it being seized by the police.

« Last Edit: June 25, 2014, 01:00:05 AM by Southwood »

Offline kev hall2

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Re: insuring a 2nd bike
« Reply #2 on: June 25, 2014, 06:32:40 PM »
Good point. Was rather drunk last night when I had this thought. Where are you in Bristol?
« Last Edit: June 25, 2014, 10:01:15 PM by kev hall2 »

Offline Southwood

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Re: insuring a 2nd bike
« Reply #3 on: June 25, 2014, 06:37:33 PM »
Nr Westbury on Trym

Offline aka_Gilo

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Re: insuring a 2nd bike
« Reply #4 on: June 25, 2014, 07:38:30 PM »
Another Bristolian here, south of the river. Assuming our bikes ever turn up we should hook up for a ride sometime.

Offline kev hall2

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Re: insuring a 2nd bike
« Reply #5 on: June 25, 2014, 07:50:01 PM »
Assume you are both buying through DL. Ordered mine mid May for the one due in mid Aug. When are yours due?

Offline aka_Gilo

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Re: insuring a 2nd bike
« Reply #6 on: June 25, 2014, 07:59:04 PM »
*Originally Posted by kev hall2 [+]
Assume you are both buying through DL. Ordered mine mid May for the one due in mid Aug. When are yours due?

Yep. Ordered at the start of April for a late June delivery. Since changed to July 10th but I've heard nothing yet so I'm not hopeful. If it turns out to be late July or into August I'll probably wait until Sept 1st and get it registered as a 64 plate.

Offline Robtangr

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Re: insuring a 2nd bike
« Reply #7 on: June 25, 2014, 08:25:31 PM »
*Originally Posted by kev hall2 [+]
I understand that if you are fully comp you can ride someone else's bike third party on your own insurance if you don't own the bike but are comp. When the S1R arrives (hopefully end Aug) I could insure both but what stops me registering my current bike in my wife's name and riding it Third Party on my own insurance?

In every uk insurance I've had fully comp doesn't matter you need an explicit clause that states "allows riding other motorcycles" and it always states the other bike must have its own policy (and a bunch of other restrictions).

I think there are some types of insurance (trade mainly) where you could ride it without an entry on the MID but its not the kind of thing you'd usually have.

Offline Southwood

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Re: insuring a 2nd bike
« Reply #8 on: June 25, 2014, 09:41:36 PM »
*Originally Posted by aka_Gilo [+]
*Originally Posted by kev hall2 [+]
Assume you are both buying through DL. Ordered mine mid May for the one due in mid Aug. When are yours due.

Yep. Ordered at the start of April for a late June delivery. Since changed to July 10th but I've heard nothing yet so I'm not hopeful. If it turns out to be late July or into August I'll probably wait until Sept 1st and get it registered as a 64 plate.

Yes, ordered April for dely 07.07.14. Went for red sport without CC. Chris at DL rang last Saturday, advising my bike was in production. Looking good for an on-time dely.

 


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