short term insurance ?

Message

bert · #1 Post by **bert** » Thu Apr 12, 2012 3:53 pm

Trying to find out if anyone doe's short term insurance for bikes so I can ride home from the purchaser's house so far tried the below but they seem to require me to be the registered keeper which is a bit werid.
tried so far
day insure
autonet
expressinsurance
flexirider
Any other ideas?

slickliner6 · #2 Post by **slickliner6** » Thu Apr 12, 2012 4:02 pm

" so I can ride home from the purchaser's house"

sorry i dont understand ???? if he's the purchaser didnt he buy the bike???

unless its me being sttoooppiiddddd ???

bert · #3 Post by **bert** » Thu Apr 12, 2012 4:44 pm

Sorry but writing with this many fingers is very awkward.
I meant to say the seller's house.
silly me

D-Rider · #4 Post by **D-Rider** » Thu Apr 12, 2012 5:15 pm

Ah - the problem being that the paperwork won't have gone through so you will be the legal owner and the chap you're buying from will still be the registered keeper.

Can't be that unusual a situation - surely any insurer ought to be able to sort this out ..... but there again, we are talking insurers here .....

blinkey501 · #5 Post by **blinkey501** » Thu Apr 12, 2012 5:22 pm

bert wrote:Sorry but writing with this many fingers is very awkward.
I meant to say the seller's house.
silly me

Some insurance policys allow you to ride other peoples bikes with their permission.
If your policy does allow this then has long has the seller still has it insured in his name you could ride it back.
In the event that you get stopped you could say you are borrowing the bike from a friend has long has you agree to do this with the seller.
Has long has you ride sensibly the chances of getting stopped are remote.
Failing all that you will have to trailer the bike has your options are limited.
On a final note i would advise not to ride the bike with no insurance has there are so many cameras checking number plates to make sure vehicles are legal...
If you get caught you will loose the bike...

D-Rider · #6 Post by **D-Rider** » Thu Apr 12, 2012 6:00 pm

blinkey501 wrote: Some insurance policys allow you to ride other peoples bikes with their permission.
If your policy does allow this then has long has the seller still has it insured in his name you could ride it back.

I've always had this cover on my insurance but I don't think this works in this situation.

The cover allows you to ride a bike that you do not own as long as you have the owner's permission.

Once you've bought the bike you are the owner (despite not yet being the registered keeper). Therefore you cannot ride it as it is not a bike you do not own.
The whole problem is the insurance companies seem to be insisting that you are the registered keeper .... which seems a bit odd.
(incidentally, I hold an insurance policy on a car that is both owned by my wife and registered in her name - never had any problem with that)

fatboy · #7 Post by **fatboy** » Thu Apr 12, 2012 6:06 pm

Surely if you have bought the bike then you have become the owner and keeper even though your name wont yet be recorded as the new keeper,
If you have a signed,dated reciept then you have proof that you are the new owner and therefore insured
The insurance companies are trying to close the door on any scammers ,they still waant your money and I doubt they do a data base check
This situation must crop up all the time

blinkey501 · #8 Post by **blinkey501** » Thu Apr 12, 2012 6:11 pm

D-Rider wrote:
blinkey501 wrote: Some insurance policys allow you to ride other peoples bikes with their permission.
If your policy does allow this then has long has the seller still has it insured in his name you could ride it back.

Once you've bought the bike you are the owner (despite not yet being the registered keeper). Therefore you cannot ride it as it is not a bike you do not own.
The whole problem is the insurance companies seem to be insisting that you are the registered keeper .... which seems a bit odd.
(incidentally, I hold an insurance policy on a car that is both owned by my wife and registered in her name - never had any problem with that)

My rule of thought was to get the bike back andy and say it is someones elses bike has long you trust the seller to not disclose you have bought it..
Obviously once the bike is under lock and key leave it there until you have it insured.
On another note your insurance usually asks if the vehicle is registered to you, maybe because you and your wife live at the same abode they have made an exception

bert · #9 Post by **bert** » Fri Apr 13, 2012 9:39 am

Thanks for the replies, As to the point about riding the bike home.
I have fully comp on my tiger but as stated I will own the Falco so that doen`t fly but they stated you have to be the registed keeper.
Trusting the previous owner to lie for you ( if asked ) even for a short time is asking a bit much from both ends of that agreement.

I think that the answer is to insure it for a year then cancel after a month & take the hit which would work out at less then a months insurance.
Then insure both bikes on the same policy when the renewal comes up.

Aladinsaneuk · #10 Post by **Aladinsaneuk** » Fri Apr 13, 2012 10:03 am

once you have signed the dvl a bits then you are i think the recorded keeper - the paperwork has been signed so....

also, being the owner does not mean you are the recorded keeper - once you have received a receipt for the cash you gave for the bike, then you are the owner of it....

so

call your insurance company to get a quote for new / additional cover, and confirm with them that it will go active when you call them to inform them..... or if you know that it is the bike for you, then at a specified time/date

I think that will cover you

bert · #11 Post by **bert** » Fri Apr 13, 2012 10:13 am

Aladinsaneuk wrote:once you have signed the dvl a bits then you are i think the recorded keeper - the paperwork has been signed so....

also, being the owner does not mean you are the recorded keeper - once you have received a receipt for the cash you gave for the bike, then you are the owner of it....

so

call your insurance company to get a quote for new / additional cover, and confirm with them that it will go active when you call them to inform them..... or if you know that it is the bike for you, then at a specified time/date

I think that will cover you

That makes sense so I will check that with the GF who works in insurance I was going to use the how did that get here excuse but I suppose I might will have to admit my intensions now -- bugger !

Shebee · #12 Post by **Shebee** » Fri Apr 13, 2012 10:17 am

you dont need to admit the intentions, as Aladinsaneuk said call the insurance co - and let them know you are going to buy it and they will activate it (and take payment!) at a certain time or when you call - you will need the reg no. THis is what we have always done on buying new bikes/cars.