Loaning your bike

**ChiGGz** · 05-06-2012, 09:53 PM

Curious, would my insurance policy cover people who are borrowing my bike but do not have motorcycle insurance of their own?

**Maverick95** · 05-06-2012, 10:19 PM

Originally Posted by ChiGGz

Curious, would my insurance policy cover people who are borrowing my bike but do not have motorcycle insurance of their own?

Yes it will.

**bikermahn** · 05-06-2012, 10:46 PM

Sadly tho the effect of any accident if claimed would be a double edged sword. The driver would get it on his/her driving record, and you get the insurance record. Both suffer in the event of something foul happening.

**PLau** · 05-07-2012, 12:39 AM

Would the rider borrowing the motorcycle need to carry an insurance slip on them?

**giesen** · 05-07-2012, 12:50 AM

Originally Posted by PLau

Would the rider borrowing the motorcycle need to carry an insurance slip on them?

Of course. If they get pulled over and don't have one, they can get cited for failing to produce proof of insurance. At the very least, keep a photocopy of your current insurance slip and ownership (front and back, with current validation stickers) under your seat, most cops won't give you too hard a time if you have at least that.

**BusaBob** · 05-07-2012, 02:00 AM

the insurance is on the bike, not the rider (well, whoever is riding it becomes insured because it's the bike that's insured, and not the owner)

but the insurance policy owner will get dinged for any claims made by the rider, so you better trust (a lot) whoever you loan the bike out to.

**holotape** · 05-07-2012, 06:16 AM

Read your policy...that is my suggestion. Don't assume anything - while visiting my folks over xmas, I borrowed my dad's car without his knowledge, and it turned out his policy did not cover other drivers.

**casacrow** · 05-07-2012, 07:27 AM

I'm with State Farm. One year I had 3 bikes insured on the road. I asked my agent about it, and said that I would be loaning them to friends and the gf, they told me no problem.

**nobbie48** · 05-07-2012, 08:01 AM

Originally Posted by holotape

Read your policy...that is my suggestion. Don't assume anything - while visiting my folks over xmas, I borrowed my dad's car without his knowledge, and it turned out his policy did not cover other drivers.

Good point. If there had been a collision either your dad would have to pay the claim or charge you with theft. Nasty either way.

**BusaBob** · 05-07-2012, 10:46 AM

Originally Posted by holotape

Read your policy...that is my suggestion. Don't assume anything - while visiting my folks over xmas, I borrowed my dad's car without his knowledge, and it turned out his policy did not cover other drivers.

Do your folks live in Ontario?