Motorcycle Insurance

**Postie** · 21st September 2006, 12:06

Originally Posted by Beemer

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** · 21st September 2006, 12:43

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

**quackquack** · 22nd September 2006, 08:48

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** · 22nd September 2006, 09:07

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** · 22nd September 2006, 15:13

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

**The_Dover** · 22nd September 2006, 15:17

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** · 22nd September 2006, 15:34

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.