bookertmgs1 wrote:missing lynx wrote:You use to be able to get a rider policy that would insure you 3rd party to ride anything up to 250cc but I think that's long gone
Probably not the same thing - but my Carole Nash policy lets me ride a friends scooter on a 3rd party basis. This could be fairly useful if someone was ill or incapacitated in any way and you need to jump on their scooter.
Something rings a bell that there were caveats which someone raised on-line as a concern - but cant remember what they were now...
Apart from the obvious risk of third pary only cover, there are two that I can think of. Firstly, the friend's bike must be insured to be on the road and secondly the 3rd party cover only extends to the territories scheduled in the policy which, if I remember correctly, were defined as the UK, IOM & Channel Islands and did not apply 'abroad' including mainland Europe (even pre- Brexit). This was identified as an issue when it was proposed to take a spare bike to a Euro in the back up van.
Check the wording.