If I create an insurance policy is it legal to add riders to my policy even if there is a chance that they may never actually ride my bike?
I want to add a friend to my policy who may never ride my bike except for possibly testing it around the block after maintenance. The main reason I want to do this is because he is a dramatically lower risk rider than myself - he is older and has held his licence for many years where as I am young and have held my licence for less than a year.
The main reason I wanted to do this was because I realised that adding an experienced rider to my policy dramatically reduces the price of the insurance. The point I'm getting at is does the person I am adding to the policy have to have some intention of riding the bike throughout the period it's insured?