Moped business insurance on L-plates
Discussion
Borrowed this image from another thread.
Have seen parking attendants round us riding mopeds with L-plates, and also fast food delivery riders.
I assume therefore it is possible to get business use insurance whilst you are a learner rider. I find that surprising. Can someone confirm as my Google efforts have drawn a blank.
Have seen parking attendants round us riding mopeds with L-plates, and also fast food delivery riders.
I assume therefore it is possible to get business use insurance whilst you are a learner rider. I find that surprising. Can someone confirm as my Google efforts have drawn a blank.
Grumps. said:
TwigtheWonderkid said:
It's not illegal to ride/drive on business on a provisional licence, so yes, you can get insurance. IMHO, it should be illegal. Provisional licence holders should be restricted to pleasure use only.
Why?I got crashed into by a just eat rider just under 2 years ago - did 5k worth of damage. The guy riding the bike was fine (he stayed upright) - was insured by a company called Zego - seems they are a fintech company founded to insure the "recent" boom in delivery scooters and vans etc.
They never admitted liability but they did pay out.
They never admitted liability but they did pay out.
Unless the law has changed you can drive on L plates as a working tractor driver, but I doubt any farm business would see this as a sensible risk?
I would have thought that it’s only a matter of time before an L plated delivery driver is involved in a serious accident and the learner status is seen to be a contributory factor. The company directors could then be prosecuted due to the recruitment policy?
I would have thought that it’s only a matter of time before an L plated delivery driver is involved in a serious accident and the learner status is seen to be a contributory factor. The company directors could then be prosecuted due to the recruitment policy?
speedking31 said:
Grumps. said:
TwigtheWonderkid said:
It's not illegal to ride/drive on business on a provisional licence, so yes, you can get insurance. IMHO, it should be illegal. Provisional licence holders should be restricted to pleasure use only.
Why?Foss62 said:
Unless the law has changed you can drive on L plates as a working tractor driver, but I doubt any farm business would see this as a sensible risk?
I would have thought that it’s only a matter of time before an L plated delivery driver is involved in a serious accident and the learner status is seen to be a contributory factor. The company directors could then be prosecuted due to the recruitment policy?
You will find people driving farm vehicles who aren't even old enough to have L plate status.I would have thought that it’s only a matter of time before an L plated delivery driver is involved in a serious accident and the learner status is seen to be a contributory factor. The company directors could then be prosecuted due to the recruitment policy?
AIUI, people riding mopeds should at least have a CBT, they are not completely untrained like pushbike couriers or scooter riders.
There are a lot of L-plate yoofs doing delivery work on mopeds.
Just how bad is the body count?
Taking a test on a moped is mug's game, does it help towards a full bike license?
And those without L plates have probably just got a full car licence, no more bike qualification than the L plate types.
FWIW, my business use on bike insurance used to exclude food delivery.
speedking31 said:
Grumps. said:
TwigtheWonderkid said:
It's not illegal to ride/drive on business on a provisional licence, so yes, you can get insurance. IMHO, it should be illegal. Provisional licence holders should be restricted to pleasure use only.
Why?Caddyshack said:
If they do the job daily then they are racking up experience miles much faster than a fun rider or short commuter.
Which is no gurantee of anything, judging by the riding standards. Also no help on passing for a full motorcycle test, you've got to unlearn your bad riding habits. I passed my motorcycle test first time, with my only previous expereince being a pillion on a cycle taxi in Vietnam, never even started a bike, whereas the guys I know who had a 125 cc and rode on L plates before taking their test all failed multiple times before passing, and these guys are far more serious about motorcycling than I am.
You can get rider insurance for mopeds with a CBT only (see example here - https://motorcycle-insurance.inshur.com/)
Bearing in mind a CBT is a day of training for about £120 and teaches the basics of piloting something with 2 wheels and an engine.
IMO, riding style is largely driven by the way the delivery system is set up, not by lack of experience.
Bearing in mind a CBT is a day of training for about £120 and teaches the basics of piloting something with 2 wheels and an engine.
IMO, riding style is largely driven by the way the delivery system is set up, not by lack of experience.
Business cover on my bikes and cars is only for when you have multiple places of work ie if you are freelance and work for different companies.
Thus not doing the same commute every day.
I 'guess' you are also covered if you take paperwork or a computer from location A to location B.
When I was a bike and van courier as well as a minicab driver, I needed hire and reward insurance.
Which was far more expensive. In 1987 it was £3500 a year for my Vauxhall Cavalier.
So I suspect that many scooter food delivery folk don't have insurance, or even a licence.
Case closed
Thus not doing the same commute every day.
I 'guess' you are also covered if you take paperwork or a computer from location A to location B.
When I was a bike and van courier as well as a minicab driver, I needed hire and reward insurance.
Which was far more expensive. In 1987 it was £3500 a year for my Vauxhall Cavalier.
So I suspect that many scooter food delivery folk don't have insurance, or even a licence.
Case closed
CraigyMc said:
speedking31 said:
Grumps. said:
TwigtheWonderkid said:
It's not illegal to ride/drive on business on a provisional licence, so yes, you can get insurance. IMHO, it should be illegal. Provisional licence holders should be restricted to pleasure use only.
Why?TwigtheWonderkid said:
It doesn't apply to any of you. If you've got a full car licence, you've got a full moped licence. There are no learner moped riders with full car licences. (a moped being under 50cc).
It's only full car licence holders with "grandfathers rights" who have a full moped licence.If you passed your car test after 1st February 2001, you need to pass a CBT before you can legally ride a 50c on the road (and without L plates)
Edited by OverSteery on Thursday 13th April 08:36
OverSteery said:
TwigtheWonderkid said:
It doesn't apply to any of you. If you've got a full car licence, you've got a full moped licence. There are no learner moped riders with full car licences. (a moped being under 50cc).
It's only full car licence holders with "grandfathers rights" who have a full moped licence.If you passed your car test after 1st February 2001, you need to pass a CBT before you can legally ride a 50c on the road (and without L plates)
Gov.UK said:
If you have a car driving licence, you can ride a moped (up to 50cc) without L plates and without taking the moped test in some situations.
You passed your driving test on or after 1 February 2001
You’ll get a full moped licence if you either:
pass your car driving test and then complete a compulsory basic training (CBT) course
complete a CBT course and then pass your car driving test within two years
You can then ride a moped (up to 50cc) without L plates. You do not need to take the full moped test.
You can ride mopeds for as long as your car driving licence lasts.
You passed your driving test on or after 1 February 2001
You’ll get a full moped licence if you either:
pass your car driving test and then complete a compulsory basic training (CBT) course
complete a CBT course and then pass your car driving test within two years
You can then ride a moped (up to 50cc) without L plates. You do not need to take the full moped test.
You can ride mopeds for as long as your car driving licence lasts.
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