Insurance cockup with Swinton????

crawsue · 28-04-2024, 03:50 PM

If the bike (s) being transported are insured then why should there be an issue…..if not insured then that might present a problem….I assume theft is the concern?

Nickj · 29-04-2024, 01:41 PM

It's always been like that. When I used to ride enduros I found the car covered the trailer but not the bike(s), at times I would have my KTM 300 EXC, and my mates 250 and a 250 husky so quite a few quids worth as they were all under a year old.
It used to be that there would be whatever cover you had on the car, say comp BUT only third party on the trailer/content BUT as the bikes carried their own insurance they were not covered by the cars policy.
Any claim from that would have been a real PIA to deal with,
Given that mine was a sponsored bike I got some insurance through NFU that covered the trailer and the bikes, well the 'contents' of the trailer. The cover of that bit was way better than the car policy offered and wasn't invalidated by the cars policy. It was a bit biased in the wording to agricultural use so as well as machinery I was also good for livestock though strapping a few cows and/or shep onto the rails would have been fun.
NFU used to do all sorts of wierd and wonderful policies.

jerry · 29-04-2024, 04:37 PM

Quote:

Originally Posted by crawsue

If the bike (s) being transported are insured then why should there be an issue…..if not insured then that might present a problem….I assume theft is the concern?

But the different insurers and Brokers I have spoken with all confirm that the bike is not covered when on my trailer even though its fully comp in all other respects ,, its only covered by insurance when classed as goods in transit say by RAC, Green Flag or AA or a commercial company . But I as a private individual cannot have that cover ,,,, its baffling ....

I suspect many other people dont know this issue .....if its on my personal trailer its not covered at all in event of accident , theft or any event ???? , as soon as its off the trailer its insured again .

Nickj · 30-04-2024, 04:13 PM

It is a really wierd situation, the car insurance effectively cancels the trailed insurance even though it doesn't actually cover it.
Quite often if you look at the fine print you'll find the trailer only is given third party, often even if you have declared use.

Typical insurance stitch up and libility avoidance.

29-04-2024, 01:41 PM	#2
Nickj Too much time on my hands member Join Date: Jun 2007 Location: Forest Of Dean Bike: S2r Posts: 3,195	It's always been like that. When I used to ride enduros I found the car covered the trailer but not the bike(s), at times I would have my KTM 300 EXC, and my mates 250 and a 250 husky so quite a few quids worth as they were all under a year old. It used to be that there would be whatever cover you had on the car, say comp BUT only third party on the trailer/content BUT as the bikes carried their own insurance they were not covered by the cars policy. Any claim from that would have been a real PIA to deal with, Given that mine was a sponsored bike I got some insurance through NFU that covered the trailer and the bikes, well the 'contents' of the trailer. The cover of that bit was way better than the car policy offered and wasn't invalidated by the cars policy. It was a bit biased in the wording to agricultural use so as well as machinery I was also good for livestock though strapping a few cows and/or shep onto the rails would have been fun. NFU used to do all sorts of wierd and wonderful policies. __________________ "The final measure of any rider's skill is the inverse ratio of his preferred Traveling Speed to the number of bad scars on his body." Song of the sausage creature

30-04-2024, 04:13 PM	#4
Nickj Too much time on my hands member Join Date: Jun 2007 Location: Forest Of Dean Bike: S2r Posts: 3,195	It is a really wierd situation, the car insurance effectively cancels the trailed insurance even though it doesn't actually cover it. Quite often if you look at the fine print you'll find the trailer only is given third party, often even if you have declared use. Typical insurance stitch up and libility avoidance. __________________ "The final measure of any rider's skill is the inverse ratio of his preferred Traveling Speed to the number of bad scars on his body." Song of the sausage creature

28-04-2024, 03:50 PM	#1
crawsue Bronze Member Join Date: Nov 2016 Location: Glasgow Bike: M1100evo Posts: 258	If the bike (s) being transported are insured then why should there be an issue…..if not insured then that might present a problem….I assume theft is the concern?