Insurance

[gerry b]

My buddy has a yamaha 250, he passed his test 2 months ago, he has now purchased an 1150RT bmw, rang Aon to transfer insurance only to be told they wont cover that bike for another 3 weeks, In 3 weeks time he will have been insured with them for 2 years.

Another buddy provisional licence bought an R100R bmw, insured no problem with Aon first insurance ever on a bike.

Another fellow full licence for years but first insurance, no problem to insure a 250cc but 6 months later wanted to transfer to a 750 and was told no unless he took a one day driving course.

Does anyone know if your licence is restricted and you dont restrict the bike, in the event of an accident is your insurance null and void, as the insurance company tells you the restriction is a licence matter not an insurance one. By the way all these riders are over 40.

I met a rider from Scotland last week who passed his test 9 months ago, he said once you are over a certain age you drive away and no restriction, is this Paddy being the goody goody to the Eu again.

Do they make up complications to piss you off or what

Gerry C if you read this did we cycle past each other yesterday on the tunnel road, met an earl of desmond group.

 

[GerryC]

Gerry C if you read this did we cycle past each other yesterday on the tunnel road, met an earl of desmond group.

Yes - I was there. Molls gap, Healy pass & Tunnel road.
Where exactly did we meet?

 

[gerry b]

we met about 4 kms before Kenmare, we were a group of 10 heading for the tunnel after filling the bellies in jam, i shouted at you but not load enough it seems.

 

[Brendan]

I suppose in regard to whether your insurance is valid or not the answer is very clear. The onus is on the insured to have a valid licence for the category of vehicle been used. Therefore if you ride a motorcycle outside the power restriction on your newly aquired licence, the insurance company have been given wriggling room to do as they wish. Whether they refuse to pay a claim is another thing. Probably not good for PR for them but the option will have been given to them by the riders non compliance of the terms of insurance.

 

[gwigglesworth]

You would not be insured..
The police would check your license after you report the crash - as you have to. The police would then debate criminal proceedings for:
1) Driving without a license
2) Driving without insurance
3) Anything else they can think of.

As an uninsured rider you would be left with the ambulance bill.. the police bill... probably no bike and probably a free roof over your head from the Queen...

And lets not mention the person you hit....... who would have to sue you personally....

It's the same as driving a Lorry with out a lorry license... or towing a trailer without the trailer license... etc etc you will probably get the book thrown at you.

 

[Spear Ruler]

The restriction applies no mater what age.

My insurance company Quinn sent me a note during last year saying that they would not cover me in case of an accident if I did not comply with all the requirements of my license.

 

[EmmettC]

I met a rider from Scotland last week who passed his test 9 months ago, he said once you are over a certain age you drive away and no restriction, is this Paddy being the goody goody to the Eu again.

Do they make up complications to piss you off or what

The laws in the UK are even more complicated, if you pass your test you are restricted too 33bhp for 2 years, same as Ireland, unless you are over 21, in which case you have the option to do a "direct Access" or DAS test, and if you pass that you can ride any bike with any power.

Ireland is better for learners, or was 9 years ago before I moved to Scotland, as a learner I could ride a bike up to 33bhp, in the UK, you can only ride a 125 on a provisional, and even then you have to pass your Compulsory Basic Training before you can ride anything.

I rode an XJR400 restricted, and it was a great bike (even better when Grumpy took the restrictor out though), but anything bigger than 600cc can feel very underpowered with a restrictor.

There used to be a power to weight limit too, which meant you could ride a CB500 or ER5 without a restrictor, but I have no idea if that still exists.

Insurance companies will try and find any excuse to avoid paying out, so although the Gards will most likely never check the bike for a restrictor,in the event of an accident, the Insurance company definitely will.