Motorcycle Insurance

[adiddy]

Hey guys, wondered if any of you knew if insurance companies would insure say a 600-900 to someone on a learners?!?!
i have heard of people doing it but wanna make sure aye

[dawnrazor]

i'm sure they will take your money.....can't see them paying out if you have a spill though.

[adiddy]

yer thort i saw that coming...
what about if a car hits me?!
or i hit another car .. say a porsche that pulls in front of me etc

[ruphus]

2nd that, I think that they would take your money but if it came down to it, they'd try anything not to pay out. Breeching license conditions would be a good excuse.

[dawnrazor]

yer thort i saw that coming...
what about if a car hits me?!
or i hit another car .. say a porsche that pulls in front of me etc

Law seems pretty clear on this one dude you can't ride a bike over a 250 on a restricted license...end of story...just wait 'til you get your full

[Jantar]

Almost any insurance company will insure a larger capacity bike to someone on a learners. But you'd better not ride it until you are legally licenced to do so. They will pay out if it is stolen, or if it is destroyed by fire, or if someone on a full licence is riding it, but they won't pay out if you crash while on a learners or restricted.

Also have a look at the premiums that they will charge. The premium plus the excess will closely match the value of the bike.

[adiddy]

lol, but i been riding for years - it sucks but i know where your cuming fromn...
ill just get a cheapie ?! :buggerd:

[diggydog]

Law seems pretty clear on this one dude you can't ride a bike over a 250 on a restricted license...end of story...just wait 'til you get your fullmyself i'd put it in the garage untill u have your full licence as if u did carry this out u may come out with nothing and cost u a whole lot of money.:Pokey: :weep:

[adiddy]

yer sounds gud just gotta wait at least a year thats all lol
mmm patience is a virtue i suppose

[The_Dover]

just ring the snot out of your 250.

if you can get as good on that as texmo and that fag NO4SKN then you wont have too many worries keeping up on most rides.

[Postie]

If you did get insurance and you crashed the bike, the insurance will have to pay out. The only way they could decline any claim is if they can prove that the crash was due solely to inexperience as a rider. If you can prove you have been riding for years then they legally have to pay out if they have insured you. But its not likely that any insurance company would insure you on a 600-900 with a learner license.

[Beemer]

If you did get insurance and you crashed the bike, the insurance will have to pay out. The only way they could decline any claim is if they can prove that the crash was due solely to inexperience as a rider. If you can prove you have been riding for years then they legally have to pay out if they have insured you. But its not likely that any insurance company would insure you on a 600-900 with a learner license.

I would doubt that very much, because one of the conditions for paying out on an insurance claim is that the person involved in the accident - no matter whose fault it is - has the correct class of licence for the vehicle they are operating. So if you didn't have a truck licence and were driving your mate's truck and had an accident, his insurance company could refuse the claim because you didn't have the correct licence. As far as I can see, this is the same thing. You are not LEGALLY able to ride a bike over 250cc on a learner's licence so not only would your arse be fined very heavily, you would have no insurance because you didn't tell the insurance company you would be riding the bike and you didn't have the appropriate licence. Would be a bit worried if you hit a flash car and it was your fault too - you'd have no insurance and would end up paying for the other vehicle as well.

Remember years ago when lots of parents insured their kids' cars to get cheaper premiums and the insurance companies refused to pay out in the event of an accident because the insurance was gained by people over 25 who knew full well that those driving the cars would be under 25 and often on restricted licences.

[Oscar]

If you did get insurance and you crashed the bike, the insurance will have to pay out. The only way they could decline any claim is if they can prove that the crash was due solely to inexperience as a rider. If you can prove you have been riding for years then they legally have to pay out if they have insured you. But its not likely that any insurance company would insure you on a 600-900 with a learner license.

A risky strategy.
Whereas what you say is technically true in respect of the various Insurance Law Reform Acts, you have to bear in mind that insurance contracts are based on the principal of Uberrima fides (utmost good faith).

The fact that the insured deliberately withheld material information would allow the insurer to void the contract and give the premium back...

[Ixion]

Technically, a licence is a licence. The ofrfence would be breach of conditions of licence. But telling the insurance company that you had a full when you only had an L would be a material misstatement. No insurance for you.

And it would not be too ahrd for an insurance company to argue that any moving accident could have been contributed to by the rider having insufficient experience for such a big powerful motorcycle.

BTW , I have heard a wee whisper that there are plans afoot by TPTB to crack down heavily on L and R licence holders not sticking to the restrictions. Aimed mainly at the boi-racer types and young cagers , but bikes are bound to be caught up in it.

[adiddy]

yerr i thort theyd start clamping down its already been happening aye..
i wouldnt mislead them id tell them i was on a learners

[Postie]

I would doubt that very much, because one of the conditions for paying out on an insurance claim is that the person involved in the accident - no matter whose fault it is - has the correct class of licence for the vehicle they are operating.

true, but he has a motorcycle licence which is the correct class to operate a motorcycle.
The insurance company can't decline a claim if the accident was nothing to do with your licence. If you were on a bike at the lights and someone hit you, or someone did a U-turn and you hity them, then its nothing to do with your licence and the insurance company should pay, how ever, if you failed to inform the insurance company that you were on a R licence and you said tha you had a full, they can then decline your claim as you withheld material information and the insurance company would not have insured you in the first place.

[steved]

Doing a defensive driving/riding course will drop 3 months off your restricted time so you can get a full in 9 months.

[quackquack]

The insurance companies can decline your claim if you are not riding on the correct license. Theft and the like you are covered for because the fact you own the bike you don't breach the terms of your license but the second you turn the Key and twist the throttle no insurer has to pay the claim.

[Oscar]

Actually there is an argument here that the insurer wouldn't have to pay any claim including theft and fire. The insured has delibertly misled the insurer, which is a breach of good faith, the contract could be voided at any time.

[Lias]

Oscar works in insurance, so i'd think twice about what he says.

[The_Dover]

IF you guys read the original question he was asking if they would insure him knowing that he was on a learners licence.

[The_Dover]

If they chose to insure you knowing that you have one leg, three testicles, no driving licence and have worse eye sight than Stevie Wonder then they would have to pay out providing they accepted all that when they insured you. It's not a legal thing as such, more a condition of contract I would imagine.

[adiddy]

yerr its abit of a tricky one that one... just do what your mate from last nyte had done aye Dover- no insurance lol

[ruphus]

Any takers to test out the theory.

I'm sure we could pass around a hat and all chip in for the excess...:laugh:

*throws $1 into hat