Can a rider on Restricted get full insurance cover?

[roy.nz]

Try Star insurance, they can help...

[Ragingrob]

Agreed - and in certain situations you'd be f@#ked - cops turn up, or if he's at fault, or gives out his name...but otherwise...well use your imagination.

Gotcha, gotcha.

[TOTO]

Try Star insurance, they can help...

yea , i'll ring around 5 companies tomorrow morning when I wake up. star are on my list.

[PirateJafa]

yea , i'll ring around 5 companies tomorrow morning when I wake up. star are on my list.

Ring Kiwibike.

Being insurance brokers they will check allt he insurance companies for you.

Also, being brokers, they can often get better deals with a insurance company through them than you can by your lonesome.

[Ragingrob]

But Todd I dunno if you're blind to my posts or what today?! But no matter who you talk to, you will never be insured if an accident occurs while you're riding outside of your licence conditions!

[Forest]

But Todd I dunno if you're blind to my posts or what today?! But no matter who you talk to, you will never be insured if an accident occurs while you're riding outside of your licence conditions!

I wouldn't worry about it.

Most of the guys who come here for advice don't really want advice at all. If the responses aren't what they want to hear, they'll just go ahead and do what they were going to do anyway.

It's a complete waste of everyone's fucking time, but unfortunately that's just the way it is.

[TOTO]

Yea, Rob, Forest is right. I am calling insurance companies anyway and i'f I can find it I will get it. Started the thread to find someone who actually has had it. So far noone.

I'f I find a companie that does it , i'll let ya all know

[Creeping Death]

Started the thread to find someone who actually has had it. So far noone.

Well there's a reason no-one has had it...read Ragingrobs posts man!!!

[Oscar]

You might have a friend on their full license who may want to "own" your bike for a period of time - then they could insure it?

Bad idea.
Breaches the principal of "utmost good faith" and full disclosure.

[Oscar]

I wouldn't worry about it.

Most of the guys who come here for advice don't really want advice at all. If the responses aren't what they want to hear, they'll just go ahead and do what they were going to do anyway.

It's a complete waste of everyone's fucking time, but unfortunately that's just the way it is.

Very true.
However, because I'm a sucker for punishment, I'll give it my usual rant:

What is the point of comparing premiums?
On that basis, everyone here would be riding the latest Hyolifansan Intruder GTR...
If you buy by price, you run the risk of being back here at claim time bleating about shitty service. The obvious questions are:

• What am I worth to the insurer? In other words do you have any other business with them? In the case of a claim that could go either way, insurers look at other connections (other policies, family or business connections etc).
• What is the Insurer worth? Did you check it's financial rating?
• Who is the insurer? Several of the most recommended insurers here aren't insurers at all, they're Master Agents or Underwriting Agencies. They don't pay your claim, the insurer does.
• What's their claim service like? Ask around, search here or ask an assessor or service dept (Service Managers in bike shops are a great resource).

[Rosie]

Yea, Rob, Forest is right. I am calling insurance companies anyway and i'f I can find it I will get it. Started the thread to find someone who actually has had it. So far noone.

I'f I find a companie that does it , i'll let ya all know

If you find someone who will give you insurance, make sure you read the policy very carefully.
Just because they have taken your money, does not mean they will accept claims you make.
And, even though you are trying to be open and honest with them, you are riding a bike you aren't legally allowed to, and many insurance policies only cover you when you are riding/driving within your licence conditions.

It is commendable that you are trying to get insurance, just be careful that you don't end up paying for a policy you can't make any claims on.

[TOTO]

If you find someone who will give you insurance, make sure you read the policy very carefully.
Just because they have taken your money, does not mean they will accept claims you make.
And, even though you are trying to be open and honest with them, you are riding a bike you aren't legally allowed to, and many insurance policies only cover you when you are riding/driving within your licence conditions.

It is commendable that you are trying to get insurance, just be careful that you don't end up paying for a policy you can't make any claims on.

You are very right rosie. TAken yr advise on Board

[MarkH]

No, I can insure it as a full licence no problem, But i'd rather be honest.

Because not being paid out or being charged with insurance fraud is not what you are wanting to achieve?

[FROSTY:Me]

I think you will find YES you can get insurance cover against theft etc but as soon as you are riding the bike insurance cover will cease.
You will be in breach of your licence requirements.
Its a similar cover to the cover I have on race bikes.

[TOTO]

Because not being paid out or being charged with insurance fraud is not what you are wanting to achieve?

Precisely