An accident could easily involve a 3rd-party even if I was solo.
I don't currently have any BM insurance, I was calling them at the dealer's suggestion to see if they could provide a short term policy.
Kevin
If the third party outside of the rider and pillion is the injured party IYSWIM that will be factored in. But, if the bike crashes, how likely is the pillion to be injured / clothing damaged etc, around 99.9%. But how likely is a passer by to be injured, 10%?
Sorry thought you had BM insurance

) that as it was my personal paid for insurance it would cover me on their bike as per my bike.....