Insurance for someone other than yourself riding your bike...

[gixxer_dave]

Completely hypothetical question here... I've sifted through the forum, but can't find an answer, and, I'd call my insurance agent but I don't want to alarm him or for him to place any suspicious notes on my account... so here it goes:

I have a 2009 GSX-R600, fully insured through State Farm, and, my father wishes to occasionally ride my bike (when I am not using it). My father has his full M but does not have his own motorcycle nor does he have his own motorcycle insurance. How does coverage work...? Is he covered through my motorcycle insurance policy?

I think what I need to do is add an additional driver/rider to my policy, but, I thought I'd check here first to see if anyone else has encountered a similar scenario.

Cheers and many thanks fellow Gtamers.
-Dave

 

[gjones4487]

My sister had the same question, statefarm said anyone in your household (same registered address) is not covered under your policy unless registered as a rider. However, anyone else that is not in your household is covered

 

[gixxer_dave]

Thanks for the response.
Looks like this hypothetical guy with the gsxr needs to add his father to his policy, or, move out and change his address haha.

 

[gixxer_dave]

For anyone else in a similar situation, a recent call to State Farm revealed the following:

- Since my father is over the age of 25, he can ride my motorcycle as long as he is licensed with at least an M1. While riding the bike, he is covered under my policy, and, it a claim was to be made, it would affect my premiums and the claim would go against me, the owner of the bike.
- To ride my bike he must also have my permission to do so.
- If he is planning to ride my bike more often than once in a while, I can add him as a driver to the policy with no increase in premium, which is how I will likely proceed. There didn't appear to be any drawbacks of adding him to my policy - this indicates to my insurer that I am aware that he is riding it, and, he is OK to do so.

All in all, for my specific scenario, if someone else rides my bike, regardless of whether or not they reside at my address or not, they are covered by your policy as long as they are older than 25.

 

[jeffjones]

For anyone else in a similar situation, a recent call to State Farm revealed the following:

- Since my father is over the age of 25, he can ride my motorcycle as long as he is licensed with at least an M1. While riding the bike, he is covered under my policy, and, it a claim was to be made, it would affect my premiums and the claim would go against me, the owner of the bike.
- To ride my bike he must also have my permission to do so.
- If he is planning to ride my bike more often than once in a while, I can add him as a driver to the policy with no increase in premium, which is how I will likely proceed. There didn't appear to be any drawbacks of adding him to my policy - this indicates to my insurer that I am aware that he is riding it, and, he is OK to do so.

All in all, for my specific scenario, if someone else rides my bike, regardless of whether or not they reside at my address or not, they are covered by your policy as long as they are older than 25.

For the no increase in policy, He would have to have no tickets or the same rating as you for that to happen I assume.

Also if he was to get in an accident, Both you and your dads insurance would increase as you would get hit with the claim as you mentioned and he would have an at fault accident on his record.

 

[nfq]

Insurance in the household is based on the highest risk rider, from what I`ve observed.

 

[gixxer_dave]

For the no increase in policy, He would have to have no tickets or the same rating as you for that to happen I assume.

Also if he was to get in an accident, Both you and your dads insurance would increase as you would get hit with the claim as you mentioned and he would have an at fault accident on his record.

Good observation! That must be why they requested a photocopy of his license.. maybe they wish to do a background check on him before adding him.

I also inquired about adding a second policy to my bike for my Dad only, but, they didn't seem to want to entertain that idea.