Daughter's scooter - am I insured?
Discussion
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.
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.
oldcynic said:
Check whether your 'any other motorcycle' cover requires the other vehicle to have some sort of insurance in place. Also it's not unusual to insure a vehicle where you're not the registered keeper or owner although it may be more normal where the spouse/partner is on the V5.
No specific requirement to have insurance on the other vehicle as well as mine that I can see.Also watch out for any clause where you cannot ride stuff that is registered at the same address as where your insurance is (ie. belonging to family members). Some cheaper policies won't let you do this, some do.
(I know this because for me to ride the GFs R1 (which I do very rarely - for it's MOT for example) was an extra £100 on her policy. My own Axa policy through Bikesure will let me ride it on my DOB cover - but I rang them up and specifically checked that I had read the wording correctly).
(I know this because for me to ride the GFs R1 (which I do very rarely - for it's MOT for example) was an extra £100 on her policy. My own Axa policy through Bikesure will let me ride it on my DOB cover - but I rang them up and specifically checked that I had read the wording correctly).
I'd read the policy in full again and if it's not clear, ring and ask. Of my current policies, two covers driving other vehicles which are not insured themselves but one doesn't. None covers driving another car in my own household so I can't drive the other two cars in the family off the back of any of my policies; I have to be a named driver, which I am. You can insure the scooter in your daughter's name with a provisional before sitting the CBT and add yourself as a named rider. That's what we did for our eldest albeit for his car. Insured in his name as a learner without full licence with my wife and me as named drivers. The day he passed his test, I rang up, upgraded to full licence for him and paid the extra (learner driver insurance was cheaper as he wouldn't drive without a supervising full licence holder). If you look on the comparison sites, you can check/uncheck the CBT bit.
BertBert said:
The obvious thing to do is ask. But in fact I'm never confident in the skills and knowledge of the call centre people you speak to.
Quite - expect to be advised by a call centre drone that you'd only be insured in case of 'an emergency' or some similar drivel.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?
Depends on the policy - some require it, some don't.SS2. said:
Dr Doofenshmirtz said:
It'll be flagged as not insured on MID, SORN'ed, no tax and no MOT. That'd be an interesting conversation with the Police if you got pulled over if nothing else!
'I'm taking it to a pre-arranged MOT test at xxxxxxx Garage, officer.'Dr Doofenshmirtz said:
SS2. said:
Dr Doofenshmirtz said:
It'll be flagged as not insured on MID, SORN'ed, no tax and no MOT. That'd be an interesting conversation with the Police if you got pulled over if nothing else!
'I'm taking it to a pre-arranged MOT test at xxxxxxx Garage, officer.'karona said:
If it's on the road it can't be subject to a Statutory Off Road Notice.
Unless an exception applies. You are allowed to drive a SORNed vehicle to a pre-arranged MOT test - that's one of the exceptions. You can't un-SORN it (ie tax it) until you have an MOT certificate after all.Aretnap said:
karona said:
If it's on the road it can't be subject to a Statutory Off Road Notice.
Unless an exception applies. You are allowed to drive a SORNed vehicle to a pre-arranged MOT test - that's one of the exceptions. You can't un-SORN it (ie tax it) until you have an MOT certificate after all.karona said:
But it must be insured by the registered keeper. You cannot drive it uninsured to the MOT station.
Your use of the vehicle to be covered by an insurance policy of some sort. That could be one taken out by the registered keeper, or your own policy using the driving other vehicles extension. There is nothing that requires the registered keeper to insure it personally. Continuous insurance regulations do not apply as the vehicle is still legally SORNed and thus exempt.
karona said:
But it must be insured by the registered keeper.
I always used to assume it had to have its "own" insurance, and I've had the any other car cover where it says that in the clause... But I've also had it where it doesn't, so I would take it to be a company policy thing.Logically, if you have a bit of paper which says "we will cover you for a vehicle you do not own", and you do not own the vehicle, then you're covered for it, regardless of what it says on MID or wherever.
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