Bike Insurance Question

[Uber Dave]

Bare with me while I explain the rough details.

My girlfriend is currently undertaking her bike training, and is due to take the Mod1 shortly. She has however found her first bike and is in the process of buying it.

The bike is from a dealer, and is currently not taxed but is being taxed as part of the sale. For them to tax it however they need a valid insurance document with her name on it as she will be the registered keeper.

As she has a provisional licence only, will she be able to take out a policy on her own on the bike which will cover it till she passes? I presume the price of the policy will be higher on a provisional but will drop once she calls them upon passing the MOD2?

The other option would be for me to insure it under my own name with her as a named rider with provisional status. Does anyone have any experience of doing it this way, as then it would be my own policy and I would take the NCB. Can you hand over a policy to other people for example?

[Conehead]

She should be able to take the insurance without a full licence but it will cost the earth. Once she has licence the changes can be made but there are costs involved for changing the policy, admin charges, etc.

It is worth investigating but the cheapest way would be for you to have the bike in your name, the insurance inyours to with her as a named rider. Once she has passed you can change the V5C to her name and cancel the insurance and start from scratch again.

Yo will not be able to transfer policies and NCB will be lost if she claims on your policy.

Hope this helps.

[Dabz]

I'm sure I read somewhere about an insurance company specifically for learner riders/drivers that covers you until your test is passed - could be worth a google search for them maybe?

[NiteW4tcher]

huh.............a dealer can tax it under there own insurance!! every car or bike ive ever bought from a dealer, i have asked them to tax it. which they have done with no problems.


weird

[Uber Dave]

All sorted now. Dealer is taxing it for us, I am riding it back on my insurance and we are going to insure it as "laid up" for a couple of months to cover till after the test is done and dusted.

Cheers for the help guys!

[Splash]

All sorted now. Dealer is taxing it for us, I am riding it back on my insurance and we are going to insure it as "laid up" for a couple of months to cover till after the test is done and dusted.

Cheers for the help guys!

I hope she passes! Good luck!

[Crosbie]

I am riding it back on my insurance

Just in case you did not know (lots of people dont) if you are intending to ride it third party on your insurance DONT!!!!! you wont be covered. To use any vehicle in this way requires an insurance policy for that vehicle fistly. If you are insuring the bike on your existing policy then thats fine.

[QB1]

All sorted now. Dealer is taxing it for us, I am riding it back on my insurance and we are going to insure it as "laid up" for a couple of months to cover till after the test is done and dusted.

Cheers for the help guys!

Are you adding it as a bike on your insurance policy or just riding it back with third party cover as you can ride any bike on your policy? If its the later you'll need to insure the bike to do that or you wont be covered.

[QB1]

[quote author=noisy_lightning link=1355701052/4#4 date=1355743948]I am riding it back on my insurance

Just in case you did not know (lots of people dont) if you are intending to ride it third party on your insurance DONT!!!!! you wont be covered. To use any vehicle in this way requires an insurance policy for that vehicle fistly. If you are insuring the bike on your existing policy then thats fine. [/quote]

Sorry Crosbie didnt read your post first - great minds....

[Gooz]

get a temporary policy for 24 hrs from someone like insure and go, specialist short term insurers are out there, or borrow the dealers trade plates for the trip home