The cost of test rides

[Mrs Busa Pete]

have you read the insurance clouse on those test ride forms or the loaner bike forms from your local bike shop .you are liable for the exese of $2500. But it dosent stop there the insurance company could go you the rest if they wont to .If you are insured check with your company about the extent of your cover before going of to ride 20-30thousand doller bikes the shops dont care:all you need is a licence and they will send you out on any thing even a 1098 or gsxr 1000 your may not have been on a bike for years the old fraze you crash it you own it is nealy true you get charged for it by there insurer you just dont get the bike

[this is not about me it was a conversation at atnr that needed to be posted ]

SO RING YOUR INSURANCE COMPANY BEFORE YOU TAKE A BIKE OUT TO SEE IF YOU ARE COVERD BY THEM TEMPORY LIKE

[DMNTD:Me]

Oh criiiiiiiiiky...I hope that this isn't about someone I know after a certain incident down this way

[AllanB]

Good post as I imagine people tend to thrash test bikes .....

[Mrs Busa Pete]

Oh criiiiiiiiiky...I hope that this isn't about someone I know after a certain incident down this way

its just a fact shit hapens out there and if your the only vehical in the incident then its your problem this is not a dig at shops .and yes resent events started the conversation

[TimeOut]

Local Kawasaki dealer is $5000 excess

[DMNTD:Me]

its just a fact shit happens out there and if your the only vehical in the incident then its your problem this is not a dig at shops .and yes resent events started the conversation

Oh I didn't think it was a dig at bikes shops but it's interesting to hear about something like this as I don't want to be telling people that it's "only" $2,500.00 when it could end up as more due to circumstance...I hope that "he" isn't in this situation!
I'll be looking into it when I'm back at work.

[Maha]

I'll be looking into it when I'm back at work.

Why you not at work?....is your suit at the Dry Cleaners?......

[James Deuce]

Depends on the dealer. Anywhere from $1000 to $5000 apparently.

Bear in mind of course, that 75% of accidents involving a motorcycle and another vehicle are the fault of the other vehicle according to some recent and very dodgy LTNZ statistics.

So in the unlikely event you screw up and have an accident you've only got a 25% chance of being landed with the costs.

[Mrs Busa Pete]

Oh I didn't think it was a dig at bikes shops but it's interesting to hear about something like this as I don't want to be telling people that it's "only" $2,500.00 when it could end up as more due to circumstance...I hope that "he" isn't in this situation!
I'll be looking into it when I'm back at work.

pure speculation based on fair go and a certin holden that crashed on a test drive so just a werse case sinareo insurance campanys are only out of poket for a short time will they fined some one or other company to send the bill to

[fergie]

I wonder what would happen if you were test riding a bike in a private sale and had an off?

[Racey Rider]

And the forms normally state that you will not break any road rules.

So if you are 'testing' the bike at over 100kmph on the open road, your basicly Not Insured at all is my understanding.

[RantyDave]

So, let me get this right - the insurance form that you sign at a dealer's prior to test riding is .... of no use whatsoever? Like $2.5 excess for, say, hitting a patch of diesel I can wear. The full price of the bike, not so.

Dave

[PrincessBandit]

So in the unlikely event you screw up and have an accident you've only got a 25% chance of being landed with the costs.

What if the other party responsible for causing 'hypothetical off' doesn't have insurance. We all know someone who has had to carry the can because the person who was at fault didn't have insurance of their own (as far as they're concerned, why should they need it if you've got it ).
Guess you are right though, it would pay to check the details with your own company as well as looking into what the dealer's "small print" says before jumping on and taking off into the sunset.
A timely post I'm sure!

[Maha]

I wonder what would happen if you were test riding a bike in a private sale and had an off?

Mmmmmmmmm someone is taking mine for a test ride today...I will enquire about his insurance and hope he brings it back....
Might take a big Honda for a test ride while in Auckland, my insurance is all good....

[Robbo]

Good post Pete. It certainly does raise an interesting scenario does'nt it and one that i'm sure many of us had never thought about. The figures mentioned probably only cover the insurance excesses on behalf of the bike shops and i'm sure that the insurance company covering it would then go after you personally for the balance of repairs or write off cost.
You would almost be best advised to get a personal liability cover (if such a thing is available) before you go out test riding any motorbike whether from a dealer or a private seller.
Has anyone on here been caught up in this situation at all ??