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Thread: Insurance and Business Use for insurances if an IAM Observer?

  1. #17
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    Quote Originally Posted by Wapping View Post
    Who says comedy is dead?
    Nail
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    JohnnyBoxer



    So many roads...........So little time......

  2. #18
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    Quote Originally Posted by mw3230 View Post
    Fair point ... but what is the difference between crashing into an associate and any other biker? The associate is clearly informed that he or she are riding their own ride and that they are responsible for all their decisions. I'm suggesting that as the observer has no control over the associate then the relationship between them is the same as between any two road users and as such the normal third party liability insurance will/should suffice
    You’re right, there is no difference. But my point is that when the shit hits the fan people go after what they can.
    The scenario of ‘two mates out for a ride’ could well change pretty quickly if the worst happens and someone wants/needs financial compensation.

  3. #19
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    A few years ago when tutoring for ROSPA, they provided a standard letter for the insurers, went along the lines that its a voluntary unpaid road safety xxx and xx miles a year of my riding is undertaking this role. Submitted it 4 years on the trot (after getting quotes and selecting an insurer) and each insurer came back at no extra premium, confirming it was covered under the policy.

    Would have thought IAM would have something simulator?


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  4. #20
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    Quote Originally Posted by Roadrash Rider View Post
    A few years ago when tutoring for ROSPA, they provided a standard letter for the insurers, went along the lines that its a voluntary unpaid road safety xxx and xx miles a year of my riding is undertaking this role. Submitted it 4 years on the trot (after getting quotes and selecting an insurer) and each insurer came back at no extra premium, confirming it was covered under the policy.

    Would have thought IAM would have something simulator?


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    Yes they do. See post #5

  5. #21
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    Quote Originally Posted by Roadrash Rider View Post
    A few years ago when tutoring for ROSPA, they provided a standard letter for the insurers, went along the lines that its a voluntary unpaid road safety xxx and xx miles a year of my riding is undertaking this role. Submitted it 4 years on the trot (after getting quotes and selecting an insurer) and each insurer came back at no extra premium, confirming it was covered under the policy.

    Would have thought IAM would have something simulator?


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    IAM Surity offer it as "standard", and IAM Roadsmart have a pro forma letter for your insurer, I think the issue is more around Insurance companies/brokers not being aware/understanding what it means.

    On the car side, IAM ROADSMART insurance covers you for injury/death U75 and only death O75.

    Despite raising this as an issue, as a large % of car obs are older than bikes, I have never got a breakdown of riskes etc, as the insurer claims commercial confidentiality.

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  6. #22
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    It looks like things are changing at IAM Surety.

    I have both my Bike and car insured with them.
    Just over a month ago I renewed the bike insurance and I was asked, as I have been every year for both bike and car, "are you still a member of the IAM?".
    Today i renewed my car insurance but this time I was asked "are you an IAM Fellow or an IAM Masters". (For those that don't know, an IAM Fellow has to be retested every 3 years, and IAM Masters every 5 years.)

    It looks like IAM members may have to have regular retesting in order to receive insurance from IAM Surety in future.

  7. #23
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    Quote Originally Posted by trebor View Post
    It looks like things are changing at IAM Surety.

    I have both my Bike and car insured with them.
    Just over a month ago I renewed the bike insurance and I was asked, as I have been every year for both bike and car, "are you still a member of the IAM?".
    Today i renewed my car insurance but this time I was asked "are you an IAM Fellow or an IAM Masters". (For those that don't know, an IAM Fellow has to be retested every 3 years, and IAM Masters every 5 years.)

    It looks like IAM members may have to have regular retesting in order to receive insurance from IAM Surety in future.
    No, just did my renewal for bike and car, was asked the same question, when I said no, they said ok and renewed my insurance. I would think there might be more discount if your a fellow. I'm also RoSPA and do get re-tested every 3 years, so it wouldn't bother me having to do the IAM test again, I actually did my bike one a second time as a warm up for my RoSPA test

  8. #24
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    Quote Originally Posted by trebor View Post
    It looks like things are changing at IAM Surety.

    I have both my Bike and car insured with them.
    Just over a month ago I renewed the bike insurance and I was asked, as I have been every year for both bike and car, "are you still a member of the IAM?".
    Today i renewed my car insurance but this time I was asked "are you an IAM Fellow or an IAM Masters". (For those that don't know, an IAM Fellow has to be retested every 3 years, and IAM Masters every 5 years.)

    It looks like IAM members may have to have regular retesting in order to receive insurance from IAM Surety in future.
    It has more to do with the level of discount offered, as a member.

    Having 3 master's: all with different dates, they didn't care.

    The fellowship is a joke, you could pass your NO retest today, sit your fellowship tomorrow, and fail, which one is to a higher standard ?

    You've now lost that group membership, or have you ?



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  9. #25
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    Quote Originally Posted by casbar View Post
    No, just did my renewal for bike and car, was asked the same question, when I said no, they said ok and renewed my insurance. I would think there might be more discount if your a fellow. I'm also RoSPA and do get re-tested every 3 years, so it wouldn't bother me having to do the IAM test again, I actually did my bike one a second time as a warm up for my RoSPA test
    Yes, I think you maybe right, I have a Masters for the bike so it wasn't a problem.
    I took the RoSPA test as practice for doing my Senior Observer test back in 2010

    Quote Originally Posted by Tractors are go View Post

    The fellowship is a joke, you could pass your NO retest today, sit your fellowship tomorrow, and fail, which one is to a higher standard ?

    You've now lost that group membership, or have you ?
    Well, IIRC, for an NO test you are supposed provide a demonstration a ride that is better than a normal IAM pass, however, the actual test is longer than the demo ride for NO so is probably more testing?
    If you fail a Fellow retest I believe you have to resit and pass within a certain time to maintain your 'IAM Member' status.

  10. #26
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    Quote Originally Posted by trebor View Post
    Yes, I think you maybe right, I have a Masters for the bike so it wasn't a problem.
    I took the RoSPA test as practice for doing my Senior Observer test back in 2010



    Well, IIRC, for an NO test you are supposed provide a demonstration a ride that is better than a normal IAM pass, however, the actual test is longer than the demo ride for NO so is probably more testing?
    If you fail a Fellow retest I believe you have to resit and pass within a certain time to maintain your 'IAM Member' status.
    True, but what about other groups that you may have ?

    You've demonstrated that you are not at the required standard, so how can you be a member (full stop).

    It is the made up as we go along that pisses me off, it is the artificialness.

    Any training that someone does, to either improve or to maintain currency is a good thing.

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  11. #27
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    Returning to the OP's topic, I find IAM Surety to be incredibly expensive, so I don't use them. They may work for you.

    I think the £100 uplift is outrageous.

    I am with Bikesure/Ageas. I told them I am an observer. They noted it down and said carry on - no additional charge.

    At the end of the day, it most definitely is not business use. And although the 'numpty-leaving-the car-park' scenario might happen, it at least as likely that a similar event would occur on the open road with a car driver. The INFORMATION phase is key ;-)

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