Should it be insured passenger?

[power_fan]

Hi all. Should it be insured passenger? The bike is 125cc. Thank you

[Stu]

with L plates no as your not legally allowed to carry them anyway

[fq-craigus]

Im guessing you mean do yoy need to declair a pillion? Answer is yes, the days of automatically being able to carry pillion have gone. You must have a full licence how ever as a learner rider cannot carry

[Stu]

Im guessing you mean do yoy need to declair a pillion? Answer is yes,

 

actually you dont HAVE to have it its not a legal requirement

If you dont have it it just means the pillion cant use your insurance in the event of a claim

[Marmalade43]

Im guessing you mean do yoy need to declair a pillion? Answer is yes,

 

actually you dont HAVE to have it its not a legal requirement

If you dont have it it just means the pillion cant use your insurance in the event of a claim

 

This, plus the insurance company may well tell you to go forth as you were carrying a passenger you told them you would't be carrying.

[Stu]

This, plus the insurance company may well tell you to go forth as you were carrying a passenger you told them you would't be carrying.

 

you dont have to tell them its just so they can add their premium to your policy!

[Marmalade43]

Any information given forms part of the policy.

If someone is asked if they will be carrying a pillion and say no, stuff the bike into a car, they are outside of the terms of cover.

[Stu]

best tell the car insurers to start asking if you take passengers in your car then!!

A pillion would be classed as a 3rd party and the minimum insurance you can get is TPO which would cover a a pillion as they are 3rd party

a bike is made with two seats you shouldnt have to tell them if you take pillions or not insurance cant take your right off you to carry a pillion but they can take the right for your pillion to use your insurance policy

[Marmalade43]

Car passengers tend not to affect the handling too much.

The passengers can claim but if fully comp they are unlikely to cover your damage if you have a passenger if you told them you won't carry any n

[Chrissb6]

Last year l had 3 very well known insurance companies ask me the question was l going to be carrying a passenger on the Busa, and when l said yes they refused to quote me! I ask the question, "Well what do l have to do to meet the requirements to carry a passenger as l have never made a claim on a motorbike in almost 40yrs of riding?" They could not or would not answer me.

[Guest]

Hello,

The answer is yes, you would need to declare the pillion. With ourselves the premium would not increase if you said yes but the price can go down if you don't, based purely on the fact that the chances/payout of a personal injury claim are less. Its just based on statistics, not legalities unfortunately.

I appreciate that if you have a full licence and 2 seats then you are entitled you carry a pillion, its just the underwriters will give a discount in some cases if you don't.

Thanks

[fq-craigus]

Im guessing you mean do yoy need to declair a pillion? Answer is yes,

 

actually you dont HAVE to have it its not a legal requirement

If you dont have it it just means the pillion cant use your insurance in the event of a claim

 

You cannot carry a passenger if you declair you arnt going to. In the event of an accident your not covered as per terms of policy and if pulled my police your not covered therefor 6 points, nice fine, bike impounded ect. Just like if ypu insure your bike sdp only and get pulled over on your way to work...

[Stu]

Im guessing you mean do yoy need to declair a pillion? Answer is yes,

 

actually you dont HAVE to have it its not a legal requirement

If you dont have it it just means the pillion cant use your insurance in the event of a claim

 

You cannot carry a passenger if you declair you arnt going to. In the event of an accident your not covered as per terms of policy and if pulled my police your not covered therefor 6 points, nice fine, bike impounded ect. Just like if ypu insure your bike sdp only and get pulled over on your way to work...

 

who said anything about NOT declaring it and still carrying a passenger?

it goes without saying if you say your never going to carry one but if your not asked then your covered

and as said you dont HAVE to have the extra pillion cover! this is only to allow your passenger to use your insurance it doesnt mean your actually insured to carry them

[littlecat]

either way, you still cant carry a pillion on l plates, so rather a moot point

[Lumor_uk]

do I have to have my foot pegs on my bike if I have no intention of carrying a passenger. no grab rail if that matters.

[Marmalade43]

You cannot carry a passenger if you declair you arnt going to. In the event of an accident your not covered as per terms of policy and if pulled my police your not covered therefor 6 points, nice fine, bike impounded ect. Just like if ypu insure your bike sdp only and get pulled over on your way to work...

 

Riding other than in accordance of the terms of insurance is a civil matter between you and the insurance company.

Minimum cover of third party risks cannot be removed by anyone other than by the insurance provider with 7 days written notice. so whatever you do, if you have paid for insurance, you legally have insurance

[Bogof]

do I have to have my foot pegs on my bike if I have no intention of carrying a passenger. no grab rail if that matters.

 

No

[fq-craigus]

Spoke to my ins company today to request hard copy of documents and threw in the question in this thread as if I can save 50 quid on my policy by not having pillion cover then I would. The response was clear that I would be breaching terms on the insurance policy and would npt be covered in the event of an accident! I specifically asked about surely it just means that the pillion could not claim and it was confirmed that this is not true.

So if they say im not covered if I remove pillion cover and carry one then this isnt a civil matter its against the law therefore police can and will enforce.

If any of your policys state otherwise then fair enough but MCE were very clear on this

[gaz]

My pillion punches me in the ribs when things get exciting Would I get a discount for her making me ride slower and safer?

[Phooey]

I think that this post only serves to prove how complex the field of insurance is. I, rather naively, didn't realise how complicated and probably illegal my mate was when he rode my bike back for me after I bought it.

I neither had insurance, nor the confidence to ride it back so my mate who has a full license and was insured to ride any bike rode it back for me. My wife, who works in insurance, said that he, my mate, may not have been covered because his policy only covers him as long as the owner is insured and once I bought it the previous owners insurance company would argue that it was no longer insured so my mate was not insured either!

Seems silly when I say it but the bike appears to have to be insured by two parties for the insurance to be valid.

[Chrissb6]

I think that this post only serves to prove how complex the field of insurance is. I, rather naively, didn't realise how complicated and probably illegal my mate was when he rode my bike back for me after I bought it.

I neither had insurance, nor the confidence to ride it back so my mate who has a full license and was insured to ride any bike rode it back for me. My wife, who works in insurance, said that he, my mate, may not have been covered because his policy only covers him as long as the owner is insured and once I bought it the previous owners insurance company would argue that it was no longer insured so my mate was not insured either!

Seems silly when I say it but the bike appears to have to be insured by two parties for the insurance to be valid.

Mine field Mate! And you will only find out you've stood on one when it all go's wrong!

[Phooey]

Mine field indeed Chris. I had an argument with an insurance company once, many years ago, when they tried to wriggle out of the responsibility for something on my policy. I can't remember the details so I wont try to relay them but the point is that they said ... 'It is in the policy breakdown 'small print'. I suggested that the 'small print' ought to be more transparent and not written in such a language that it would take a solicitor to understand it all. Her reply was that they are not responsible for making sure we understand it but it is our responsibility to make sure we understand it.

When I quoted a line from the 'small print' document and asked her to clarify she offered to put me through to their legal department because she didn't know!

[Thinkbiker]

Some insurers do require a bike to have cover in its own right to be covered under a 'other bike' extension this is because the 'other bike' extension only offers third party cover whilst riding so if you were to park up and get off the bike it would be uninsured.

This isnt about reading small print or understanding legal terms this sort of thing is included in plain english in a policy booklet or similar it is essential you read it.

If you dont understand it you must call your ins.co. Otherwise you are deemed yo have accepted the terms.

I have used the recording of my phone call to get a policy at the price quoted after the ins.co changed their mind saying they had made a mistake.

[Chrissb6]

I think all this needs to be put into the driving test schedule to make sure everyone knows there legal duties of keeping a motor vehicle.

[Marmalade43]

I think all this needs to be put into the driving test schedule to make sure everyone knows there legal duties of keeping a motor vehicle.

 

They don't even teach how to use indicators, what hope is there of passing on legal requirements.