Riding a bike without license plate sticker?

Shane.Nicholson

Shane.Nicholson

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A friend wants to let me try his honda f4i. He has no sticker on the plate and was wondering if i could still ride it on a test ride.

What's the implications of doing that? I am insured with my own bike. His bike is not currently insured.
 
Shane.Nicholson said:
A friend wants to let me try his honda f4i. He has no sticker on the plate and was wondering if i could still ride it on a test ride.

What's the implications of doing that? I am insured with my own bike. His bike is not currently insured.
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When you borrow a vehicle, you borrow that person's insurance. In this case you'd be riding uninsured - not a good idea.
 
Just don't. If you get caught, the officer will give you a few tickets, including the lack of insurance ticket that is one of the most costly fine, $5,000 dollars.

If you want to take a risk, you can ride a bike with no valid sticker, the fine is a lot lower ($110 I think). But riding uninsured is not something you want to do.
 
the potential risk is higher than the bike's cash value
 
klr_guy said:
When you borrow a vehicle, you borrow that person's insurance. In this case you'd be riding uninsured - not a good idea.
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Edit: I think that is correct for some vehicles (cars, etc) but not motorcycles.

I don't think this is correct. It was explained to me in my M1 exit class earlier this year: insurance is only for the registered rider. It's not like car insurance. For example, if the driver has a terrible record, with many infractions, why would your coverage (let's say you have a clean record) be suitable for that rider? It isn't.

They told us: "You want to lose a friend? Let them test ride your bike."

I could be wrong...
 
You are wrong

Insurance is for the vehicle. The rate you paid is tied to your record. If the vehicle is insured you can lend it to any licensed operator.
 
meme said:
You are wrong

Insurance is for the vehicle. The rate you paid is tied to your record. If the vehicle is insured you can lend it to any licensed operator.
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Any licensed operator, or any insured operator? I think you take your own insurance on someone else's bike. My insurance company doesn't know anything about the test rider, why would they cover him? What if the person can't get insurance on their own - but yours will cover them?

This is how it was explained to me a Durham College M1 Exit, April 2014.
 
^ the idea is for test drives for buyers or mechanics that test your vehicle. It's a once a year kind of situation.

If you ride/drive someone else's vehicle with any frequency, (ie: work truck) then you need to be on a policy. (either get your own, or be added to the owners policy)
 
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As the operator of a vehicle, it's your responsibility to make sure it is properly licensed and insured for the road.

Riders have a target already. You are just making yourself a bigger target.

Ignorance isn't an excuse.


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Don't do it. Even if you park it and a Toronto Parking Officer walks by and sees it - they ticket and call it in. It's apart of their routine to check for parking payment and valid stickers.

Poor guy on a Triumph Bonnie got nicked while trying to buy his sticker. I felt really bad since he was parked legally and only gone 20 minutes.
 
Shane.Nicholson said:
A friend wants to let me try his honda f4i. He has no sticker on the plate and was wondering if i could still ride it on a test ride.

What's the implications of doing that? I am insured with my own bike. His bike is not currently insured.
Click to expand...

You'll be fine, just don't do an extended cruise, don't crash, and make sure it's insured, since that's the big fine. No plates/no sticker is something like a $130 fine last time I got that...but it was quite a few years ago. :D
 
DECIMIS said:
Any licensed operator, or any insured operator? I think you take your own insurance on someone else's bike. My insurance company doesn't know anything about the test rider, why would they cover him? What if the person can't get insurance on their own - but yours will cover them?

This is how it was explained to me a Durham College M1 Exit, April 2014.
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Nope. Insurance follows the vehicle. If the person holds a license to ride the bike then the owners insurance covers the vehicle.

Trust me. My friend wrote my SUV off. I did nothing wrong as it is not illegal to occasionally lend your vehicle out. She got the careless charge, I got a total loss claim on my policy.

Your rates are determined by primary/secondary riders. You are allowed to let someone else drive your vehicle.
 
meme said:
Nope. Insurance follows the vehicle. If the person holds a license to ride the bike then the owners insurance covers the vehicle.

Trust me. My friend wrote my SUV off. I did nothing wrong as it is not illegal to occasionally lend your vehicle out. She got the careless charge, I got a total loss claim on my policy.

Your rates are determined by primary/secondary riders. You are allowed to let someone else drive your vehicle.
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Sorry meme - Insurance follows the driver and the vehicle.
 
Akad3m1kz said:
Sorry meme - Insurance follows the driver and the vehicle.
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Insurance Follows the Vehicle
As a rule of thumb, insurance follows the vehicle, not the driver. This means that as the owner of the vehicle, you are responsible for who drives your car, and are legally responsible for any negligence. [http://www.personalinjuryottawa.ca/the-risks-of-letting-someone-borrow-your-car-in-ontario]

Know that if you lend your car, you accept full responsibility for that driver and any repercussions that may come with it due to an accident – remember, it’s not just your car that you’re lending, it’s also your insurance policy.[http://www.rbcinsurance.com/cgi-bin/intelliresponse/ask.cgi/response/find?question=lending+a+car]
 
klr_guy said:
Insurance Follows the Vehicle
As a rule of thumb, insurance follows the vehicle, not the driver. This means that as the owner of the vehicle, you are responsible for who drives your car, and are legally responsible for any negligence. [http://www.personalinjuryottawa.ca/the-risks-of-letting-someone-borrow-your-car-in-ontario]

Know that if you lend your car, you accept full responsibility for that driver and any repercussions that may come with it due to an accident – remember, it’s not just your car that you’re lending, it’s also your insurance policy.[http://www.rbcinsurance.com/cgi-bin/intelliresponse/ask.cgi/response/find?question=lending+a+car]
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I work for an insurance company. This situation would follow the insurance/driver. If I borrow your car get into an accident in areas where its my fault you will now have an at fault accident under your name provided that I am not insured anywhere else. Even in the cases where I am insurance with Company B and your insured with company A: Company A will charge you since they can't charge me for the claim.
 
klr_guy said:
When you borrow a vehicle, you borrow that person's insurance. In this case you'd be riding uninsured - not a good idea.
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Misinformation about no insurance in this thread.

Only the driver/rider who is the owner of the vehicle can be charged with Drive - No Insurance. Carry the insurance slip for a similar type of motor vehicle (ie insurance for your bike) and you're golden.
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