Daughter's scooter - am I insured?

[mellowman]

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.

[mellowman]

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.

[mellowman]

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 I'm just back from passing the MOT with no advisories :-)

Thanks for all the comments