Insurance advice

If you ride a bike owned by someone else using the "TP any other bike"
cover on your own bike, does the bike have to be insured by the lender
and can that lender be my SO?

This seems way too easy for getting the Fazer on the road without
needing a multibike policy but you never know!

 

My hindbrain reminds me of a clause referring to this situation that
reads something like "providing there is another insurance policy in
operation for this vehicle" - as well as the permission from the owner
thing. Vehicles have to be covered for damage and injury they may
cause when the rider/driver is not at the controls - car rolling away,
bike falling over on a pedestrian, that sort of thing - that your TP
only wouldn't cover.

As you say, mate - way too easy. Bugger, innit.

 

Yes. She needs to be insured on the bike. I ride my SO's this way.

 

*cough* Utmost good faith.

 

Daz emerged from their own little world to say

I've just read the policy document for my car insurance. It does not
mention that the vehicle must be insured by the owner/keeper for the "drive
other vehicles" section to be valid.

However, unless the vehicle already has a tax disc you will not be able to
get one as you will need a certificate bearing the Fazer's reg. Of course,
if the Fazer has a tax disc then this provides a useful stop-gap measure if
you are happy without theft cover.

 

Pip says...

That's the standard clause, IME. Also worth being aware than some
insurance companies state "Any other vehicle, excepting those
belonging your partner." I've only seen that one once, I have no
idea if many companies make that exception.

 

Short answer from DVLA is yes, the main rider must be insured to use the
vehicle.
If there is no main rider then the owner is responsible for insurance.

Check out MAG web site regarding new government policy, suggesting that all
vehicles
must be insured at all times, including the basket of bits in the shed.

Dave

 

Daz secured a place in history by writing:

Uberrimae fidei innit.

 

Now there's an expression I haven't heard since my law student days.