motorbike news

Bike news

Does Motorcycle Insurance Cover Me When I’m Riding Other Motorbikes?

Triumph-pillion.jpg

Many motorbike riders want to be able to ride more than one bike. If this sounds like something you’d want, then you’ll need the right type and level of motorbike insurance in place, which can cover you if you ride other bikes. And getting a quote with Carole Nash is easy, simply call us on 0333 005 2266.

What level of cover do I need? 

Much like driving insurance, some motorbike insurance policies will only cover you when riding your vehicle alone, but there are other types of bike insurance that will offer you a little more leeway. 

Whether you want to use someone else’s motorbike for a quick weekend ride, or you want to simply try out another model; there are motorcycle insurance that can cover you. We offer our own Rider Cover® as a completely free addition to your insurance policy. This will allow you to ride a friend’s motorcycle without worrying that you’re not properly covered. Plus, you’ll be insured against accidental damage too. (Both bikes must have comprehensive cover, visit carolenash.com/rider-terms-and-conditions for full T&C’s.)

Generally speaking, only Fully Comprehensive motorcycle insurance policies will cover you to ride other bikes, with the minimum legal insurance, which is Third Party Only cover. However, not all Comprehensive policies will include this, so it’s always important to check your policy documents as each policy can have it’s differences. 

If you wish to ride multiple motorcycles, getting a multi-bike insurance policy could be right for you. 

What’s multi-bike insurance? 

This type of insurance may be particularly cost-effective for you, as it will allow you to insure more than one motorcycle under the same policy. With this type of cover, you’ll generally be able to cover multiple bikes at a time, and also add on additional bikes at an extra cost. 

Opting for a multi-bike policy can be so much more straightforward than getting a different policy for each motorcycle that you have. You can potentially save money, while avoiding having to keep track of several sets of paperwork and multiple renewal dates at the same time. 

Again, it’s essential that you always check through the terms of your agreement in your documents, no matter what type of motorbike insurance cover you choose. This way you’ll fully understand all the circumstances you’re covered for. 

The penalties for riding another motorcycle without insurance

If you don’t check your policy documents and unintentionally break the terms and conditions of your insurance, in this case by riding another bike without insurance, you may still be penalised. 

The penalties for riding other motorbikes without being properly insured are just the same as riding without having any insurance at all, and could include:

  • An unlimited fine if your case goes to court.
  • At least 6 penalty points on your licence.
  • Receiving an IN10 endorsement, which will remain on your licence for 4 years.
  • Getting disqualified from riding (this depends on the seriousness of your offence and your riding history).
  • Having your motorbike seized and destroyed.

Also, if you break the terms of your motorbike insurance policy, your insurer may refuse to pay out for a claim, which would mean you would have to cover the cost of any damage yourself. You may also be requested to pay the full premium or remainder of your premium in one lump sum. 

If you do end up with an IN10 endorsement, you could also be refused insurance by your current provider, which would make getting insured in the future difficult and expensive.

It’s worth noting that even if your Comprehensive insurance policy does cover you to ride other people’s bikes, you may only be covered for Third Party Only. This means you and the other bike you’re riding won’t be covered in the event of an accident. Only damage you cause to any other person and their property will be covered should you ride someone else’s motorcycle. 

You’ll always need the right level of motorbike insurance in place when you wish to ride multiple bikes, so that you can have the peace of mind of being fully protected on the roads. 

For a free no obligation quote, simply call us today on 0333 005 2266.

Bike News, Inside Bikes

You also may be
interested in...

Bike News

Triumph have acquired OSET Bikes

Triumph amp up investment in their electric and off-roading future with purchase of kids trials brand…

Read more Bike News

Keep up to date with our news & blogs

Bike News

Triumph have acquired OSET Bikes

Triumph amp up investment in their electric and off-roading future with purchase of kids trials brand…

Read more Bike News
Bike News

Norton announce plans to go electric

Norton say that they’re creating an ‘electric motorcycle that blends Norton’s design DNA with racing performance, touring range and lightweight handling’. Now that sounds impressive…

Read more Bike News
Bike News

Reimagining an icon | Riding the Team Classic Suzuki Katana

When Team Classic Suzuki built their classic endurance spec Katana, we fell in love with it. Carl Stevens was lucky enough to swing a leg over it for a session at Cadwell Park to find out how an ‘80s icon performs four decades on…

Read more Bike News

Have some questions?

Check out our tips & guides for some great information

Motorbike tips

Riding a prototype Moto2 machine | What are they really like?

Just how good is a modern Moto2-style race bike? Are they hard to ride, and is it the ultimate track-focussed toy? Carl Stevens raced a Dutch made Chassis Factory machine in the British championships to find out…

Read more Biking Tips
Motorbike Reviews

Reviewed: Ducati Hypermotard SP

Ducati’s Hypermotard has always been an impressive bit of kit for some fun on the roads, but how does it perform on track?

Read more Bike Reviews
Motorbike Reviews

Reviewed: Suzuki GSX-R1000R

Suzuki’s latest generation GSX-R1000 made a bold impression when it was released back in 2017. But, five years on and with only minor updates, can it still cut the mustard?

Read more Bike Reviews