1 bike, 2 riders

[AtomicPunk]

OK, as I understand it, if I lend my car to somebody I am also lending my insurance. Assuming this is true, does this apply to motorcycles?

Here's the situation. I'm learning to ride this year. Got the course booked - all that good stuff. My wife already has a motorcycle. Could she lend it to me for an occasional ride (and be covered by her insurance), or do I need to get my own insurance? I've had one opinion that says I could be added to her policy at no extra charge.

Can anyone confirm? Currently have cars and home insured with State Farm.

Todd

[Lightcycle]

From what I understand, unless you signed something explicit stating that you would not ride her bike under any circumstances, then the minute she negotiated insurance for her motorcycle, all motorists in the household are automatically taken into consideration in calculating the premium. This is regardless of whether all motorists had their motorcycle license (M1, M2, M) or not at the time. Bottom line, if you are married to her and live in the same household, I think you're already covered.

But again, best to check with your own insurance company for the final word.

[VifferFun]

From what I understand, unless you signed something explicit stating that you would not ride her bike under any circumstances, then the minute she negotiated insurance for her motorcycle, all motorists in the household are automatically taken into consideration in calculating the premium. This is regardless of whether all motorists had their motorcycle license (M1, M2, M) or not at the time. Bottom line, if you are married to her and live in the same household, I think you're already covered.

But again, best to check with your own insurance company for the final word.

This is accurate, HOWEVER, you must disclose to State Farm that you now have a license. When you applied for your insurance, you signed a form stating that you must notify them if there is ever a change in risk (such as your address, car, or new operators).

Call State Farm and let them know that you are now an occassional operator on the bike. Since they rate based on when you got your car license (rather than your motorcycle license) you premium should not go up.

Welcome to riding!

[Speedtospare]

OK, as I understand it, if I lend my car to somebody I am also lending my insurance. Assuming this is true, does this apply to motorcycles?

Here's the situation. I'm learning to ride this year. Got the course booked - all that good stuff. My wife already has a motorcycle. Could she lend it to me for an occasional ride (and be covered by her insurance), or do I need to get my own insurance? I've had one opinion that says I could be added to her policy at no extra charge.

Can anyone confirm? Currently have cars and home insured with State Farm.

Todd

If you over 25 and don't live in the same residence yes she could lend it to you for a ride. If you live with her and you have your M1/M2 etc the insurance company should be notified that there is a secondary driver in the household that is able to drive that vehicle.

That is my understanding of what my state farm agent gave me. There may be an increase onher policy if you live together and your a new rider.

[AtomicPunk]

This is accurate, HOWEVER, you must disclose to State Farm that you now have a license. When you applied for your insurance, you signed a form stating that you must notify them if there is ever a change in risk (such as your address, car, or new operators).

Call State Farm and let them know that you are now an occassional operator on the bike. Since they rate based on when you got your car license (rather than your motorcycle license) you premium should not go up.

Welcome to riding!

Thanks for the info guys. Sounds like this shouldn't be too painful on the wallet.

[VifferFun]

Thanks for the info guys. Sounds like this shouldn't be too painful on the wallet.

As long as you are over 25 and licensed over 5 years with a car, my guess is that it won't cost you anything at all. Good luck!

[AtomicPunk]

As long as you are over 25 and licensed over 5 years with a car, my guess is that it won't cost you anything at all. Good luck!

Well over 25 years old and been licensed for over 20 years. I suddenly feel kinda old.

[AtomicPunk]

Is this the same AtomicPunk from C7/Toyota?

Yep. Who else would use the title of an obscure VanHalen song