Daughter's scooter - am I insured?
Discussion
mellowman said:
Younger daughter's bought a 100cc scooter, V5 registered in her name and currently sorned. No MOT so I was thinking of pre-booking one in case I get stopped. Obviously it won't be taxed but I was wondering about insurance. My fully comp bike insurance covers me third-party on any bike not owned by me, so I presume I would be covered riding my daughter's bike to the MOT test station?
Daughter has just got her CBT booked for next week but hasn't got it insured just yet, hence my query as to whether I'm covered for the MOT.
Plan is to insure it in her name once she passes CBT. At present I can't get online insurance quotes just for me to ride it because I'm not the keeper/owner and they obviously run a mile at that.
The amount of time you've spent thinking about this and then writing it up on here could have been spent calling your Bike insurer rather than guessing and relying on a bunch of people who have no idea what's in the policy....Daughter has just got her CBT booked for next week but hasn't got it insured just yet, hence my query as to whether I'm covered for the MOT.
Plan is to insure it in her name once she passes CBT. At present I can't get online insurance quotes just for me to ride it because I'm not the keeper/owner and they obviously run a mile at that.
Oh and for the sake of it.... of course your insured! Are you going to believe me :-)
For what it's worth, I just checked my (car) insurance certificate and it clearly states, "The policyholder may also drive with the consent of the owner a private motor car not belong to him/her or his/her married spouse/civil partner... providing there is a valid insurance policy in force for that car."
So I could drive a car belonging to my parents or my children, but not my missus. The vehicle would need to be insured itself though.
So I could drive a car belonging to my parents or my children, but not my missus. The vehicle would need to be insured itself though.
Nigel_O said:
Isn't it normally the case that to be covered under a "drive any other vehicle with owner's permission" clause, the other vehicle needs to be insured in its own right?
That's always been my understanding. In fact I'd say it was very unlikely you are covered if the vehicle/bike is not insured in it's own right. This is all to do with the fact that if you get out of it/off it and leave it at the roadside for any reason, then it's an uninsured vehicle on the highway. Easy to say "oh but I won't leave it" but the ins cos don't see it that way.
super7 said:
The amount of time you've spent thinking about this and then writing it up on here could have been spent calling your Bike insurer rather than guessing and relying on a bunch of people who have no idea what's in the policy....
Oh and for the sake of it.... of course your insured! Are you going to believe me :-)
Happy to report that after ringing Swinton they confirmed I was indeed insured as per the certificate, third party only, to ride the scooter. There were no further gotchas for the scooter having separate insurance.Oh and for the sake of it.... of course your insured! Are you going to believe me :-)
Oh, and I'm just back from passing the MOT with no advisories :-)
Thanks for all the comments
CAPP0 said:
That's always been my understanding. In fact I'd say it was very unlikely you are covered if the vehicle/bike is not insured in it's own right. This is all to do with the fact that if you get out of it/off it and leave it at the roadside for any reason, then it's an uninsured vehicle on the highway. Easy to say "oh but I won't leave it" but the ins cos don't see it that way.
I would say that the majority of car DOC extensions do not insist the car has its own cover elsewhere. Mine certainly doesn't, and never has. Don't know about bike policies. TwigtheWonderkid said:
CAPP0 said:
That's always been my understanding. In fact I'd say it was very unlikely you are covered if the vehicle/bike is not insured in it's own right. This is all to do with the fact that if you get out of it/off it and leave it at the roadside for any reason, then it's an uninsured vehicle on the highway. Easy to say "oh but I won't leave it" but the ins cos don't see it that way.
I would say that the majority of car DOC extensions do not insist the car has its own cover elsewhere. Mine certainly doesn't, and never has. Don't know about bike policies. CAPP0 said:
Interesting, that and the OP's comment. I'm not for one second suggesting you're wrong. However, in principle then, in future we can all have as many vehicles as we want, we just need to give our mate the cash and ask him to buy it, gain title, and the V5, and we can drive what we like all for the price of one policy - from the right provider of course. I personally own 10 vehicles, all separately insured - I'll be able to sell them to my mates for a penny and save a fortune!
You (or your mate) would still run afoul of the continuous insurance regulations - if you wanted to use the cars on the road they'd have to be taxed and therefore insured on their own right. The OP's is a special case as he can legally drive to a pre booked MOT without tax.Plus how many people with a collection of expensive cars would be happy insuring them third party only? The super-rich maybe... but then they're probably not to worried about the cost of a few insurance policies in the first place.
Interesting that a mainstream insurance co like Swinton allow this - I'm quite surprised. I checked all my policies and they all state the other car should be insured (Bennetts for the bike, Admiral and Endsleigh for the cars)
As for having lots of vehicles and one policy...nope. You can't tax a vehicle without insurance, and no insurance means no [valid] tax these days.
It'd also flag any ANPR cameras so it'd probably be more hassle than it's worth.
As for having lots of vehicles and one policy...nope. You can't tax a vehicle without insurance, and no insurance means no [valid] tax these days.
It'd also flag any ANPR cameras so it'd probably be more hassle than it's worth.
CAPP0 said:
Nigel_O said:
Isn't it normally the case that to be covered under a "drive any other vehicle with owner's permission" clause, the other vehicle needs to be insured in its own right?
That's always been my understanding. In fact I'd say it was very unlikely you are covered if the vehicle/bike is not insured in it's own right. This is all to do with the fact that if you get out of it/off it and leave it at the roadside for any reason, then it's an uninsured vehicle on the highway. Easy to say "oh but I won't leave it" but the ins cos don't see it that way.Therefore you are covered while at the petrol station, while it's parked on the road and shopping, and if it broke down and you are standing behind a crash barrier waiting for recovery.
The problem scenario would be if it was parked on the road and the keys put through the owners' letterbox. The control would likely end at that point and the vehicle would be uninsured.
mellowman said:
super7 said:
The amount of time you've spent thinking about this and then writing it up on here could have been spent calling your Bike insurer rather than guessing and relying on a bunch of people who have no idea what's in the policy....
Oh and for the sake of it.... of course your insured! Are you going to believe me :-)
Happy to report that after ringing Swinton they confirmed I was indeed insured as per the certificate, third party only, to ride the scooter. There were no further gotchas for the scooter having separate insurance.Oh and for the sake of it.... of course your insured! Are you going to believe me :-)
Oh, and I'm just back from passing the MOT with no advisories :-)
Thanks for all the comments
mellowman said:
Happy to report that after ringing Swinton they confirmed I was indeed insured as per the certificate, third party only, to ride the scooter. There were no further gotchas for the scooter having separate insurance.
Oh, and I'm just back from passing the MOT with no advisories :-)
Thanks for all the comments
Glad it passed the MOT and that you were covered for ins. Oh, and I'm just back from passing the MOT with no advisories :-)
Thanks for all the comments
You may have mentioned it, but do you have a current CBT certificate or have you passed your bike test ?
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