Having a go on an old 'un

[mangocrazy]

I normally only allow close friends and/or people whose riding abilities I trust to ride any bike I own, but any such offer to ride would be on the basis that any damage is to be paid for in full by the person 'having a go'. And of course I reserve the right to say no without giving any reasons. So here's the stable:

1980 Yamaha RD350LC - 20k miles, recent rebuild, refresh and dyno setup. Good, clean, straight, honest example
1988 Honda VFR750FJ - 50k miles, suspension, wheels, tyres and brakes to modern standards. Currently in France.
1991 Ducati 888 SP3 - not sure of mileage as speedo is covered by black tape (it's only been used on track for the last 20-odd years). Doubt if I'd let anyone ride it as parts are a nightmare to get and it's easily the most valuable thing I own after my house.
2008 Aprilia Falco SL1000 - 12k miles, uprated brakes, exhaust and suspension. Currently waiting for Godot. Or the paint man.
2017 KTM Duke 690R - 5k miles and not an oldie at all. Encourages hooliganism.

[Whysub]

What exactly denotes an "old bike"?

To me I don't consider bikes from 2000 as old, but to a 30 year old, they probably seem ancient.

[Rockburner]

What exactly denotes an "old bike"?

To me I don't consider bikes from 2000 as old, but to a 30 year old, they probably seem ancient.

(in this instance) cheap insurance

[Ditchfinder]

I normally only allow close friends and/or people whose riding abilities I trust to ride any bike I own, but any such offer to ride would be on the basis that any damage is to be paid for in full by the person 'having a go'. And of course I reserve the right to say no without giving any reasons. So here's the stable
1988 Honda VFR750FJ - 50k miles, suspension, wheels, tyres and brakes to modern standards. Currently in France
2017 KTM Duke 690R - 5k miles and not an oldie at all. Encourages hooliganism.

Still yet to ride a bike in France so yes to anything there please. Would love to have a go on the 690 too to see how much better than the 390 they are

[mangocrazy]

I normally only allow close friends and/or people whose riding abilities I trust to ride any bike I own, but any such offer to ride would be on the basis that any damage is to be paid for in full by the person 'having a go'. And of course I reserve the right to say no without giving any reasons. So here's the stable
1988 Honda VFR750FJ - 50k miles, suspension, wheels, tyres and brakes to modern standards. Currently in France
2017 KTM Duke 690R - 5k miles and not an oldie at all. Encourages hooliganism.

Still yet to ride a bike in France so yes to anything there please. Would love to have a go on the 690 too to see how much better than the 390 they are

where are you in France? We're in Herault (34), but non-resident. The 690 is just so much fun. 74bhp meets <150kg with attitude in spades.

[Ditchfinder]

We have a place in the Cantal, Pleaux 15700, but only get out there 3 times / yr

[The Spin Doctor]

I'm sure you've all thought of it... but just a reminder to check insurance actually allows riding bikes owned by others... that provision mysteriously vanished from my own insurance one renewal, even though it was with the same provider! I'd double-checked I was covered before taking out the policy, as I have occasionally had to ride a trainee's bike.

[iansoady]

Also remember that even if it's included it's generally only minimum 3rd party.

[Ditchfinder]

I think if I was doing this I would look at day cover - there must be something around for that

[Rockburner]

I'm sure you've all thought of it... but just a reminder to check insurance actually allows riding bikes owned by others... that provision mysteriously vanished from my own insurance one renewal, even though it was with the same provider! I'd double-checked I was covered before taking out the policy, as I have occasionally had to ride a trainee's bike.

It's a common trick on 'auto-renewal' to change the underwriter and strip off the 'extras' in the process. The broker probably gets a better deal (a higher cut?) and they sell it by you get 'cheaper' insurance.

[Mr. Dazzle]

You also can't ride my classic bikes on your 'normal' insurance policy - I asked Footman James that very question when I was gonna let my Dad have a go on the Bonnie. The bike's on a classic policy, so I don't earn NCB on it and other people can't ride it on their policies. Something about the fact the 'ride other people's bike' bit only works when that bike is also insured in it's own right.

[Rockburner]

You also can't ride my classic bikes on your 'normal' insurance policy - I asked Footman James that very question when I was gonna let my Dad have a go on the Bonnie. The bike's on a classic policy, so I don't earn NCB on it and other people can't ride it on their policies. Something about the fact the 'ride other people's bike' bit only works when that bike is also insured in it's own right.

That's weird - so are they saying that a classic policy isn't a proper insurance policy??

Not being able to gain NCB is pretty industry standard for '2nd' policies - you can't gain NCB on more than one car insurance policy per person (eg if you owned 2 cars on different policies - only 1 policy for you gains NCB).

[Mr. Dazzle]

I dunno....I kinda accept the fact it's gonna be more restrictive than a 'normal' insurance policy, it's cheaper after all

I used to have both old Triumphs and the CBR on the same classic policy (CBR is 1998), but I took the Honda off after a year so I could keep my NCB going.

EDIT: Thinking about it, I don't really know what happens if you crash on the "riding other peoples bike" thing. Does your insurance pay for the other bike damages 100%? Does the owner still have to register a claim? It's always been my understanding that the 'other bike' also has to have valid insurance of it's own, so I can see how the bike's "normal" insurance effects whether or not "other" people can ride it.

[Rockburner]

I dunno....I kinda accept the fact it's gonna be more restrictive than a 'normal' insurance policy, it's cheaper after all

I used to have both old Triumphs and the CBR on the same classic policy (CBR is 1998), but I took the Honda off after a year so I could keep my NCB going.

EDIT: Thinking about it, I don't really know what happens if you crash on the "riding other peoples bike" thing. Does your insurance pay for the other bike damages 100%? Does the owner still have to register a claim? It's always been my understanding that the 'other bike' also has to have valid insurance of it's own, so I can see how the bike's "normal" insurance effects whether or not "other" people can ride it.

The 'other vehicles' clause is (ime) always a 3rd party cover clause - ie: any damages caused by YOU to a 3rd party will be paid for in the event that the accident is YOUR fault (or partially). IE it's the bare minimum cover that's legally allowed. It won't cover damage to YOU, or the bike, regardless of who's at fault, it merely covers any other person/entity involved in whatever happens.

So - if you borrow a bike and fall off it and do no damage to anything else - you're not going to get anything at all from the insurance company apart from a 'Sucks to be you' letter.

[Whysub]

I have four bikes and a car here in Spain. The insurance here is for the bike/car and NOT the rider, so my bikes/car can be ridden/driven by anyone over 25 years old, with a full licence (from any country), and with my permission.

It's great when mates fly over and we can all go out on a bike each rather than go out in the car.

[Yorick]

I have four bikes and a car here in Spain. The insurance here is for the bike/car and NOT the rider, so my bikes/car can be ridden/driven by anyone over 25 years old, with a full licence (from any country), and with my permission.

It's great when mates fly over and we can all go out on a bike each rather than go out in the car.

Yup. Same here

[cheb]

I have four bikes and a car here in Spain. The insurance here is for the bike/car and NOT the rider, so my bikes/car can be ridden/driven by anyone over 25 years old, with a full licence (from any country), and with my permission.

It's great when mates fly over and we can all go out on a bike each rather than go out in the car.

How much per year for the insurance?

[Dickyboy]

You also can't ride my classic bikes on your 'normal' insurance policy - I asked Footman James that very question when I was gonna let my Dad have a go on the Bonnie. The bike's on a classic policy, so I don't earn NCB on it and other people can't ride it on their policies. Something about the fact the 'ride other people's bike' bit only works when that bike is also insured in it's own right.

Hmm, best check how my brother has insured the Brough before I ride it again...

[JackyJoll]

I dunno....I kinda accept the fact it's gonna be more restrictive than a 'normal' insurance policy, it's cheaper after all

I used to have both old Triumphs and the CBR on the same classic policy (CBR is 1998), but I took the Honda off after a year so I could keep my NCB going.

EDIT: Thinking about it, I don't really know what happens if you crash on the "riding other peoples bike" thing. Does your insurance pay for the other bike damages 100%? Does the owner still have to register a claim? It's always been my understanding that the 'other bike' also has to have valid insurance of it's own, so I can see how the bike's "normal" insurance effects whether or not "other" people can ride it.

What you can and can’t do is in the terms. Made pretty clear any time I’ve looked.

“Classic” old wrecks are generally a low insurance risk. Not all insurers will want to cover you having casual loans of a higher risk bike.

[Whysub]

I have four bikes and a car here in Spain. The insurance here is for the bike/car and NOT the rider, so my bikes/car can be ridden/driven by anyone over 25 years old, with a full licence (from any country), and with my permission.

It's great when mates fly over and we can all go out on a bike each rather than go out in the car.

How much per year for the insurance?

Each is between €90 and €100, so under €400 the lot, but cover is (roughly) TP,F&T with full European breakdown and recovery cover. Which is about €100 more than the 4 bike multibike policy I had in the UK. How much would an "any rider" policy be in the UK?

My car is just under €300, that's about 30% more than it would be in the UK.