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-   -   Getting insurance to ride someones bike in europe (http://www.horizonsunlimited.com/hubb/trip-paperwork/getting-insurance-ride-someones-bike-4238)

Debz 17 Feb 2006 13:43

Getting insurance to ride someones bike in europe
 
Hi,
My boyfriend and I are doing our first riding trip abroad (Norway)in June. I have a Suzuki SV650S, he has a KTM 950 Adventure S and has just bought a KTM 640 Adventure so we thought it would be best to take both the KTMS. He will have a multi bike insurance policy for KTMS but although i'm covered to ride other bikes in UK it does not extend to overseas. Does anyone know how to get round this? Or will we need to transfer ownership of KTM for period of trip, which would mean cancelling my SV insurance to insure the KTM?
Cheers.

Quintin 18 Feb 2006 22:29

I may have missed something, but why don't you get him to put you down as a named rider on his policy?

The riding/driving other vehicles extension only gives you basic Road Traffic Act cover i.e. damage to Third Parties anyway and so cover is very limited. In addition most insurers are stopping this cover in the near future.

Q

mustaphapint 19 Feb 2006 00:03

We've just swopped to ebikeinsurance.
Its halved the premium I used to pay for my Harley and I've covered my BMW on the same policy for virtually no extra cost. You can have up to 4 bikes and 2 or more riders on the same policy. Cover is also for 365 days a year out of the country although I'm not sure if this only covers Europe.

Jake 19 Feb 2006 03:06

Debz, can you not just contact your insurance and pay a premium for extended cover for whichever bike your taking for use in Europe and Scandinavia (Remember Norway is not in EU, but does have resipricating agreement with most insurance companies)
PS are you partner of Ian ?.

[This message has been edited by adventure950 (edited 18 February 2006).]

Debz 20 Feb 2006 11:11

Thanks for info. Will try speaking to my insurers again about extension of cover. Any insurance company we have spoken to won't allow named riders on a multi bike policy but will now contact ebikeinsurance and go from there. Hi Brad, yes, going with Iain.

beddhist 20 Feb 2006 18:09

Are we talking about third party or full cover here? As far as I know EU rules say that any vehicle insured TP in an EU country is covered anywhere, no matter who drives. I don't think this applies to full cover or theft.

mustaphapint 20 Feb 2006 18:18

Quote:

Originally posted by beddhist:
Are we talking about third party or full cover here? As far as I know EU rules say that any vehicle insured TP in an EU country is covered anywhere, no matter who drives. I don't think this applies to full cover or theft.
You are correct up to a point. EU rules state that a policy taken out in one EU country should automatically provide insurance for the minimum legal requirement in other EU countries. That minimum legal requirement is usually the equivalent of Road Traffic Act only, which only covers you for injuries to people not other vehicles. To maintan your normal cover if EU travel is not specifically mentioned in your policy you should keep your insurance company notified as to where you are going and check you still have your normal cover.



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