Help required re insurance please...

foxy

foxy

New member
Hi all

One of our SDC members has a wee problem with the following and I'm wondering, with the wealth of knowledge and experience we have on DUN, if anyone out there can help at all with information and assistance .....

TIA

daughter and son in law are coming to Scotland in late June for 14 days. During that time, we will tour on my bikes for 8 days. I've just discovered that I cannot name them as riders on my insurance policy since all 3 bikes are insured on one policy.

I've been told that if I want to name them, I must cancel the existing policy (£££), start new ones for each bike individually with my no claims bonus applying to only one bike (£££££), then after they have gone home, to revert back to my original policy - I must cancel the new 3 individual policies (££££££££).

This seems rather excessive for such a simple matter as getting temporary coverage for 2 experienced riders for a Duc Mult and KTM 640.

Any suggestions??
 
I'll tell you if they come and stay at the Torvaig Gulag...!! ;) :p
 
foxy said:
Any suggestions?? [/I][/COLOR]
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I was gonna suggest the Daughter and son-in-law try to take out their own insurance for the brief period..but just realised there's usually a clause that says "not insured separate policy" or similar.

Could they be insured under their own policies for vehicles not owned or hired to themselves? - although normally on covers 3rd party or RTA.
 
Just remembered..didn't MCN have similar query to their insurance expert in last weeks rag?
 
...when I'm honest Lynn, I don't know the answer to your query. Sorry. :(
 
MCN query dealt with a US citizen who didnt hold a UK valid licence and ruled it out. My mate borrowed a bike from me and was covered by his car insurance (he did phone to check too though it was a few years back),they seemed willing to accept it as long as he had the correct licence entitlement so that could be worth checking.
I'd imagine that will only be 3rd party insurance but it could get them on the road.
 
Dave G said:
MCN query dealt with a US citizen who didnt hold a UK valid licence and ruled it out. My mate borrowed a bike from me and was covered by his car insurance (he did phone to check too though it was a few years back),they seemed willing to accept it as long as he had the correct licence entitlement so that could be worth checking.
I'd imagine that will only be 3rd party insurance but it could get them on the road.
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Nice one Dave, last time I tried it I was told 3rd party cover was now reduced to basic insurance as required by Road Traffics Act.
 
I am not in insurance but I think that the insured must be the owner or keeper of the vehicle hence you are asked to insure them via your own policy.

I offer hypothetically, strictly without liability or sanity,:

You could sell them the bikes to allow them to get their own cover but that would show additional keepers on the V5C. You may not wish to cancel your insurance for such a short change. Don't forget the existing keeper is liable for the vehicle until the change of ownership goes through the DVLA.

Or they each buy cheap bikes (say £100) with current MoT and tax, get insurance cover for them and ride your bikes using the usual RTA/3rd party risks extension for not owned or hired. But read and re-read the small print carefully as this extension varies from policy to policy. Also cover will not be fully comp, probably not include fire or theft, and may not be third party if RTA only, so another massive risk.

Hiring a bike from a renter may be an alternative but selection often limited to Hardly Dangerous and Beemers.
 
Adi said:
You could sell them the bikes to allow them to get their own cover but that would show additional keepers on the V5C. You may not wish to cancel your insurance for such a short change. Don't forget the existing keeper is liable for the vehicle until the change of ownership goes through the DVLA.
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The registered 'keeper' is not necessarily the owner.
 
As already stated, I reckon the best bet would be to have them use their own insurance, if they haven't got any then it looks impossible to do at a reasonable cost........






or just be typical bikers and don't bother with any of the required by law taxes/insurances etc etc ....:rolleyes:
 
I think they will only get covered if they already have bikes that are insured by them and they can ride any as 'not hired or belonging to them' usually insurance companies won't insure peeps for short periods. I tried something similar some years ago and it was nigh on impossible to get short term cover.
 
Dave G said:
MCN query dealt with a US citizen who didnt hold a UK valid licence and ruled it out. My mate borrowed a bike from me and was covered by his car insurance (he did phone to check too though it was a few years back),they seemed willing to accept it as long as he had the correct licence entitlement so that could be worth checking.
I'd imagine that will only be 3rd party insurance but it could get them on the road.
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for wot its worth my car policy covers me 3rd party to ride bikes other than have been hired to me ..for social and domestic..not commuting to and from work ...as i work on a boat ...etc etc lol
 
Yo,

Thanks for the response and I'm chuffed to say the insurance problem has been sorted to extreme satisfaction - by none other than Liz at Ducati Insurance.

She will put all 3 bikes on one policy and I can name up to 4 riders the bikes. The policy is flexible in that I can add and subtract named riders without penalty - paying only the higher premium for other riders while they are named and going back to the cost of just me riding the bikes.

Right, maybe its easier to put it as £391/year fully comp for me to ride a 1098S, Multistrada and KTM Duke II. If I name riders, and in this case, my daughter and son-in-law the cost increases to £500. I add them to the policy for the 2 weeks they are here and only the increase of £500/year for 2 weeks apply. They are insured for any bike for two weeks for £5.00 extra.

I exhausted all possibilities over Sat, Sun and Bank Holiday Monday. But happily, I finally sorted it on Tues when Ducati Insurance got back into the office. They are virtually the only company that gave me exactly what I needed - the only one. I should have known it'd be Ducati that found the solution!

Insurance isn't conducted like it used to be when there were local brokers who negotiated with you face to face and then brokered a deal with an insurance company to get you what you required. Now days, it's faceless phone persons or internet cheapies that can only offer a standard policy the regulates the industry for the masses and is no longer able to individualise.

If you have a special circumstance, especially concerning the flexibility of named riders, I suggest you give Liz a bell.

Stay Loose,

Notarian
 
Glad to hear you got it sorted out.:)

Have to agree re Ducati insurance, I have always found them to be very helpful and user friendly.

Have a good trip, hope you get good weather.:D
 
mbg said:
Glad to hear you got it sorted out.:)

Have to agree re Ducati insurance, I have always found them to be very helpful and user friendly.

Have a good trip, hope you get good weather.:D
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^^second that re:ducati insurance. DI actually looked for better/cheaper options for me riding two bikes and came up cheaper than the KTM insurance for riding the one bike.:beer:
 
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