If at all.
Secondary Rider
- Thread starter Anarion
- Start date
If at all.
There will be no discount. Regardless if she is primary, because you are listed as a rider, she will pay YOUR price not hers. So in fact its not you asking her to help with a discount but asking her to pay more to add you to the list.
And by more its prob the difference of $1000 or more. My dad pays $500 a year. My first year insurance was $3000. I would have been asking my dad to pay $3000 just so I could ride. Not fair to him.
Depends what she said to her insurance company when they asked her if anyone else in the house would be riding it or if she was the sole rider of it.
If she said no one else in the house was going to ride it then she could get up to fraud and no payout.
From what I understand is you have to disclose everyone in the household that has their M class license when getting insurance and they quote you that way and if the other person is more of a liability then they quote to the worst record unless you sign a waiver saying the certain person will not ride the bike. (At least that how it was in my case with my mothers car when I was living there)
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Platinum Cycle
Well-known member
If someone rides your bike regularly they need to be disclosed as an operator and the appropriate premium paid. Insurers will not fall for the old "It's my Mom's bike, this was just my first time riding it" story. Trust me, they've heard that one before.
You can lend your bike to anyone who is licensed. In your friend example if your friend truly was just riding your bike once, that's okay. No different than if he borrowed your car for the day. That's okay.
Platinum Cycle
Well-known member
In that case it would be considered a "theft". Under the comprehensive section of the policy theft by a member of the household is excluded and hence any theft related damages would not be covered i.e. suppose he hot wired the bike or punched the ignition cylinder, that would not be covered.
In your scenario where he is subsequently involved in a not at fault loss, the irony here is that this would be covered. (Odd in over 20 years experience I've never experienced a thief being involved in a not at fault accident). Of course, his Mom being covered for this would be dependent on her having the mandatory coverages on the motorcycle (Liability, Accident Benefits, Uninsured Motorist and DCPD).
Yeah I know what you mean but how do you prove that you dont regularly ride your friends bike lmao in the same sense with your "moms" bike riding it for the first time borrowing it. Kind of on the same lines no? Not really solid evidence lmao
And its not going to be an issue of them proving that you ride it regularly but you proving to them that you don't. You cant... so you'll get no money.
Hmmm yeah sounds about right
oh well no1 in my fam really rides but me so cant pull off that crap anyways hahaha guess i cant let my dad take my bike out for a neighbourhood spin :/ gonna get slapped with insurance fraud . . .
Ok cool, but her insurance still needs to know also.
I would bet money that her insurance goes up in cost because you are now going to be riding her bike.
Drake_Demi
Well-known member
Double check with her insurance cause I would hate if I gave you wrongful information and something were to happen and you werent covered
Surprisingly it didnt, the quote we were given from SF was 1200 a year full coverage with me under my moms name
mattcanada
Well-known member
I'm a secondary rider under my dad (had his m for prolly at least 30 years...) on our hyosung gt250r, and you are given a discounted rate being a secondary, because I can guarantee what I'm paying right now is no where what I'd be paying if it was just me. You get the discounted rate because you are that, a secondary rider, meaning you shouldn't be doing the majority of the riding, and insurance companies (TD at least...) understands that (in my case...)
I bet its actually pretty close.
Played this game when i was 16. In the end I had to have my own policy on one bike either way.
Once the insurance found out I had my licence, even if my dad only had one bike, his rate would skyrocket.
31Smokinjoe
Well-known member
My wife checked with SF and was told my 16 yr old daughter can be listed on her bike as occasional driver for no extra cost.
The only way that would change is if we had a third bike insured, then she would be principal driver and pay accordingly.
The only way that would change is if we had a third bike insured, then she would be principal driver and pay accordingly.
I did this with my dad, we shared a gs500 when i was 18, we both paid 70 bucks a month with state farm. Not exactly that pricey, and the agent had no problem with it.
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mattcanada
Well-known member
So how many other 20 (almost 21 year olds) do you know are paying less than 500$ per year? Oh and did I mention that's for me AND my dad, full coverage 1 mill... Cause I don't think that's gonna be anywhere near what it would be for just me considering what other people post that are near my age bracket. Unless hyosungs are super low to insure compared to ninjas
