I'm rather wondering the point in asking for your average milage when renewing insurance. I know that the annual milage done is no secret, for instance it's marked on the MOT certificates for a start! In the event of a new bike it's equally clear that you owned the bike / car / milk float when the miles were done. However, on one of my bikes it's not just me who has been using it - so if I've said, for example, i do 3k per year but the MOT's show the bike has done 3.5k, am i not insured? My friend borrowed it while his was off the road, and was covered on his policy (TPO). Is this just yet another way for the insurance companies to weasel out of paying?
You are paying a lower amount on a reduced mileage policy. Usually you can let the ins. co. know if you are going to go over. They will charge a little more to up the mileage. You will find you are not fully insured, if they find out you have gone over. You will only be insured 3rd party. Some will cancel, as you have broken the contract made with them, regarding the total miles declared.
But I haven't gone over, or broken the contract. They have covered me for MY portion of the milage, say, 2.5k, and my friends TPO policy covered HIM for the miles he put on?
Ian does make interesting point there. They ask for mileage as more YOU do on the road more you are at risk statistically. Who needs to prove that mileage you covered, looking at bike and MOT, is what you actually did and not your mate on his insurance. He needs to declare his mileage to his insurance but you do not have to declare what he done. If you ask me will not stick in any court. My mate came to visit from PL and he used my bike for that month and did about 1000 miles. I did same on another bike. I did only 1000 but looking at mileage on both bikes I did 2k.
Another example I have a dash on monster that is off the shelf unit (Koso) I can program the mileage in so MOT and dash will not show actual mileage they would never know what I did in real life.
Where's the proof that your friend has done what mileage? The bike is insured for 3k miles not you. That is the total allowance for that policy. If the bike goes over, the bike is in breach of the agreed mileage and therefore your friend isn't insured on the bike as a 3rd party. As an extreme case, you could say, I have done 2k miles on it but my friend has used it and put 10k miles on the bike.
Yes you could go and lie but saying that until they can prove it is not the case you are not guilty so then explain how they go about proving it? What about track days they do not cover you on those so mileage can not count for that as well
Surely I'm insured for whatever the milage agreed is? Any claims arising if he throws it down the road would be sorted through his insurance, not mine!
I am refering to Ian's policy, not yours. I have multi bike policy, each bike has it's own mileage limit.
Incidentally, my policy is multi bike also, with each bike having an anticipated milage - both different.
FFS ok YOUR policy you go on track day and do 1k miles a year on those. That 1k you exceed and chuck it down the road they refuse to pay but you have not exceeded miles while insured what you just roll over? Remember if you chucked it down the road on track day they would not lift a finger.
We could go into a thousand senarios. The point is, the bike is only insured for your friend to ride, on his insurance, while your policy is valid. If the bike exceeds 3k, your policy doesn't exist and therefor his insurance won't cover your bike. Jeez, it's like pulling teeth.
What you do not have to have insurance on your bike if your mate rides it on his insurance. It is his insurance that covers it yours got nothing to do with it, 0, not. All you need is MOT, tax and prove that your mate has insurance on days he uses it.
This is i fear wrong though. The vehicle has to be covered in it's own right, mainly to stop little Johny Snot buying a old heap, insuring it, then riding / driving a sports car / bike he couldn't insure properly, just that he put in a friends or parents name. To tax a vehicle the insurance needs to specify that reg for this reason. (I think, by all means prove me wrong!)
It is very rare X's policy covers Y's bike that isn't insured by Y. Only a traders policy will cover this. If you look at your friends policy it will say something like "Insured to ride other bikes, that are not the policy holders and are insured by the owner. Third party only" I'm out.........
