Insurance to Ride Motorcycles

[Spevs]

Hi Pistonheader's, I have a friend who has a substantial classic bike collection and he is happy for me to ride any of his bikes, however, I will need at least 3rd party insurance (comprehensive though would be better). I have a full bike licence & have also passed the IAM motorcycle test. I don't have a motorcycle of my own and have not had motorcycle insurance for over 20 years. Ideally, I am looking for a policy that would allow me to ride any bike fully comprehensive, or at the very least 3rd party, I understand there are trade policy's available but I am not a trader and annually I will probably only do less than 1500 miles. The only option I am aware of at the moment is to buy a cheap bike myself and insure it so that I can ride other motorcycles 3rd party. Whilst this is doable, I'm hoping someone on PH will know otherwise.

[sixor8]

Some (but not all) insurers require that to have 3rd party cover on other bikes, the bike in question has its own policy in place. Checking the T&C of an insurer should reveal if it is a necessity.

[KTMsm]

The easy option is to pay to be added to your mate's policy and be willing to cover any excess / increase should the worst happen

[Biker 1]

KTMsm said:

The easy option is to pay to be added to your mate's policy and be willing to cover any excess / increase should the worst happen

This.
I wouldn't be surprised if this is a pretty cost effective option - definitely worth pursuing.....

[OutInTheShed]

Back last century, loads of us had 'rider policies', which allowed you to just have a cc limit for your own bike(s) and you could ride anyone else's bike of any cc.
As you may imagine, various elderly relatives would become the owner and keeper of big bikes which young people would ride.

googling rider policy produced this:
https://www.cginsurance.com/products/riders-policy...

You can get fully comp.

There's even a picture of a rhino, so be prepared for them to charge....

[trickywoo]

OutInTheShed said:

There's even a picture of a rhino, so be prepared for them to charge....

Nothing charges harder than a wounded rhino.

[Spevs]

Biker 1 said:

KTMsm said:

The easy option is to pay to be added to your mate's policy and be willing to cover any excess / increase should the worst happen

This.
I wouldn't be surprised if this is a pretty cost effective option - definitely worth pursuing.....

This was a good idea, however, the policy he has allows for one additional person to be added to the policy and my mate already has his brother added.

[Spevs]

OutInTheShed said:

Back last century, loads of us had 'rider policies', which allowed you to just have a cc limit for your own bike(s) and you could ride anyone else's bike of any cc.
As you may imagine, various elderly relatives would become the owner and keeper of big bikes which young people would ride.

googling rider policy produced this:
https://www.cginsurance.com/products/riders-policy...

You can get fully comp.

There's even a picture of a rhino, so be prepared for them to charge....

Looking at their website it seems clear that this Rider Policy is an add on to an already existing motor policy with them. At the moment both my cars are insured with Churchill and the 1st renewal doesn't occur until October, but I will consider them at the time.