Insuring someone else's bike
- Thread starter omnivore
- Start date
if you want to be primary, then you would have to transfer ownership which means getting safety done, and paying whatever bs fees the government will make you pay. this will make the bike under your name, where you can be the sole driver of the bike.
option 2 however, is to have your father renew his policy (if he hasnt already) and add you as a secondary. please note though that if he will be away for most of the season, it is fraudulent to name yourself secondary even though you will be riding most of the time. i think its pretty hard to catch people like this, but if for whatever reason you get into an unfortunate accident, and insurance finds out youve been riding most of the time, it could be pretty bad for you.
this is just my understanding, id wait for one of the regulars like viffer to chime in on this subject.
Aleks Hara
Well-known member
No need to transfer ownership and go through the whole MTO rollercoaster - simply get your father to renew and put you as primary driver - end of story. Keep in mind though that as the registered owner of the bike, your father still assumes responsibility of the bike, meaning that if something happens, and it's your fault, it's going to leave a mark on both of your records. If he's ok with that, go for it!
Have you done this with a bike or a car?
I'm not really strong with the technicalities of policy issues such as this, but are you living at your father's house in Ontario? If so, then I don't see why it would be an issue for your father to renew the policy but name you as the principal operator.
Platinum Cycle
Well-known member
Viffer and Jeffjones are correct.
Just get your Dad to take out a policy, in his name, and list you as the primary rider.
Just get your Dad to take out a policy, in his name, and list you as the primary rider.
Tornique
Well-known member
I think there is a way to get a bike that isn't yours insured. I honestly never researched how though.
But, when you lease a car the owner is the finance company right? When you buy it out and transfer it into your name you have to do the stupid safety again. If you look at how that transaction works, maybe you can have the owner sign a few papers.
But, when you lease a car the owner is the finance company right? When you buy it out and transfer it into your name you have to do the stupid safety again. If you look at how that transaction works, maybe you can have the owner sign a few papers.
Re option 1 there used to be a parent - child exemption of transfering a vehicle without a safety or tax should dad decide to give up the two-wheeler. Check with a licence office.
Platinum Cycle
Well-known member
That only applies to the taxes, not a safety certification.
Also Only one tax-free transfer per vehicle is allowed every 12 months within your close family.
So hopefully that isn't a problem if you went that route
