I asked my friend to let me have a a go on his motorcycle, it was raining and i locked the front wheel and crashed. No one else was involved, I have full insurance my insurance covered his bike as third party only. My friend has full insurance on his bike so I told him to Claim on his Insurance but he was told by his insurance over the phone that because he was not riding the bike his bike is not covered. Is this true? I have full insurance he has full insurance but neither of the insurance will pay for the bike? is this right? Im in England.
Had an Accident, Please Help
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absolutely spot on to me. You were the rider, you're covered third party only under your insurance. His insurance is irrelevant as far as I'm aware unless he's insured his bike for you specifically, or for any rider.
It is common that your own insurance coverage for bikes other than yours is on a Third Party Only basis. It is also quite correct that you friends insurance will not pay out. They cover him to ride his bike - not you. Besides, why should he claim on his insurance and have to lose his NCB and pay increased premiums for an accident that was your fault?
I am afraid you'll have to do the decent thing and pay for the repairs out of your own pocket.
Welcome with bad news,it`s true,only third party cover on other bikes if your fully comp.
Thankyou all for your help, I have no problem claiming on my own insurance the only reason I asked him to claim on his was because i read on my insurance that i only had third party insurance on his bike. He is also more then a friend he is like a Brother to me so I would never see him out of pocket, he does not have any NCB and I would have paid his access and the extra premiums on his insurance. I just find it a bit strange that we both have comprehensive insurance but the bike is not insured if you lend it to a friend or family. So only the person is insured and not the Motorcycle?
You understand correctly, sorry mate. The buggers will weasel out of paying for insurance at every opportunity - knowing the extent of your insurance is very important.
If they don't cover you for pillion passengers, expect them to blow off any claims when a passenger was involved, for instance.
If your good mate wants to claim it was himself riding when the damage was caused, he won't lose any NCD since he has none now. But he will lose out when it comes to insuring anything for many years to come - significantly increasing his premiums - would you make good on that?
I'm reminded of my Grandfather's advice - "Never lend what you aren't prepared to give". Your mate loaned you his bike, he has to accept that you might not be giving it back in exactly the same condition.
If I absolutely cannot accept someone busting up my bike, I won't lend it to them. (Which is why I never do, incidentally.)
End of the day - you'll have to damn the impudence of the insurance companies, and pay for the repairs. Sorry mate.
Third Party Only
would have covered the damage to other property (ie, if you had collided with a car, it would only pay for the damage to the car, but not to the bike).
Your insurers are both right - its not up to them to pay for the damage to the bike.