You are wrong in so many lvls
Yeah, but some girls are into that kind of thing, ya know...
Oh, you mean about the facts... well:
Carrying pillion - I already could carry a pillion because it is a moped and I have a full car licence, if you have a full car licence and cbt you get a full MOPED licence, so you don't even need to do CBT again after 2 years if you are only riding a moped...
That's nice for you...
But the vast majority of riders, especially those riding scooters, will not be in that position. Insurance companies base a lot of their pricing on statistics, rather than getting to know you personally in depth and detail.
Statistically, riders new to a full bike licence will be entering into situations completely new to them with no practical training behind them (you don't get to practice carrying a pillion or going down motorways before you do the big bike test), so are higher up the risk tables. This is why their system flagged you up when they tried to alter the policy... and they probably charge something insane like £50 admin fee for changing your licence type, £60 admin fee for changing your policy, another £25 admin fee for changing your personal details and so on...
Motorway - it is a 49cc limited to 30mph so I cannot go to a motorway even with a full bike licence...
But again, the full licence allows you the *possibility* of hopping on a 2300cc motorcycle and going blazing off at 190mph down the M4. Statistically, this is what a certain percentage of other riders have already done and will continue to do, so an increase in all our premiums is there to offset the risk/losses from these statistics.
possibility of new, bigger, faster bike - it is the same "bike"...
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Again, nice for you...
But the fact remains that a full licence means you are now legally able to go out and get whatever bike you want. Also, having fully comprehensive insurance does mean you can also ride any bike you like, so long as you have the owner's permission, while remaining TPO covered.
It's not about what you've got - It's about what you are now legally allowed to do and statistically might do.
Go tell that to the insurance companies then, mate - It's their policy, not mine. I'm just talking about why/how they come up with these insane things!!
1) You can almost always exclude pillion cover and get a reduction in premium.
Yeah?
Might wanna tell this to Carole Nash then, as I wouldn't consider 5p less to be an actual reduction...!
Other companies have actually refused me this, unless I physically removed the pillion pegs and handrails - The basis was to do with how the MoT worked and the capability requirements.
2) The mere possibility of being able to ride a more powerful bike is meaningless, unless he's actually bought said bike and is trying to insure it.
See riding other bikes under Comprehensive Insurance...
If you think this is stupid logic, you should see how they work out the value of your vehicle after an accident and why they can decide a simple £50 repair job on an exhaust counts as a Cat C write off!
