RE: Insurance and occasional rider

Punisher

Punisher

Well-known member
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RE: Insurance and occasional rider

hey everyone,
my wife and i just got our license and first bike last year.
we both got insured, but my wife rode the bike like twice.
not sure if i should even bother adding her this year.
if this is the case, just wondering what the implications would be if she did take the bike out and got pulled over or had an accident.
does every person who even occasionally rides the bike has to be insured on the bike.
with cars, i seem to remember, and this may be completely wrong, that you could drive someone elses car, not on a regular basis of course, without be named on the insurance. although i am not sure if that only apllied to someone who did not reside in the residence. just wondering if the same logic applied to bikes.
or is it simply every person who rides the bike, must be named on the insurance.


anyway just wondering what the law is, dont want any nasty surprises.

thanks in advance.
jason
 
Re: Insurance and occasional rider

If she lives at your address and is licenced M , you'll be paying insurance for her anyway in my experience.

My wife had M for her scooter, I had numerous real bikes. She was on every policy as a resident at the address with an M licence, couldn't even start one if she wanted to but was on the policy. This is with Aviva, your mileage may vary.

She decided she was done driving bikes, my insurance dropped when she let her M designation go.

(Letting anybody take a bike out in the grey zone on insurance is a really bad idea, they dont call them accidents because they are intentional)
 
Re: Insurance and occasional rider

thanks CrankCall, point taken.
will bite the bullet and just keep her listed.

Thanks,
jason


crankcall said:
If she lives at your address and is licenced M , you'll be paying insurance for her anyway in my experience.

My wife had M for her scooter, I had numerous real bikes. She was on every policy as a resident at the address with an M licence, couldn't even start one if she wanted to but was on the policy. This is with Aviva, your mileage may vary.

She decided she was done driving bikes, my insurance dropped when she let her M designation go.

(Letting anybody take a bike out in the grey zone on insurance is a really bad idea, they dont call them accidents because they are intentional)
Click to expand...
 
Re: Insurance and occasional rider

crankcall said:
If she lives at your address and is licenced M , you'll be paying insurance for her anyway in my experience.

My wife had M for her scooter, I had numerous real bikes. She was on every policy as a resident at the address with an M licence, couldn't even start one if she wanted to but was on the policy. This is with Aviva, your mileage may vary.

She decided she was done driving bikes, my insurance dropped when she let her M designation go.

(Letting anybody take a bike out in the grey zone on insurance is a really bad idea, they dont call them accidents because they are intentional)
Click to expand...

That was my case when I got a G and told my father's insurance. They were going to increase his rates by a couple thousand for adding me. He opted out by signing a exempt form provided by the insurance. Which states only my dad will be driving the car and not me.
 
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RE: Insurance and occasional rider

You can request an opcf28a excluded driver form. It states that she is not allowed to ride the bike under ANY circumstances. But if that's the case you're better of surrendering the M and taking her off the policy.
 
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