I have a Yamaha MT-125 to get to and from college as I live about 15 miles away and the bus journey goes via Jupiter.
To say two wheels is quicker is an understatement. I’ve got a top box fitted on the back of my bike and to cut a long story short, it fell off on the way home last week, narrowly avoiding some people who were waiting at a bus stop (ironically).
Thankfully, apart from my ego and an uneaten egg sandwich, nothing and no-one was affected. However, it got me thinking as I haven’t told my insurer about the top box. Would I have been covered if someone had been hit?
Firstly, good choice of sandwich – it’s just a shame it got launched instead of lunched.
As for being covered, your insurer would ultimately have to pay out for any damage or injury you caused while riding your MT-125 if there was a valid certificate of insurance in place at the time of the accident. If this wasn’t enshrined in law, the whole principle of insurance would fall down.
However, the problem you may then have had is because you had a non-standard bike that you hadn’t declared (i.e. with a rack and top box etc.). Your insurer may then have looked to recoup the money they paid out from you.
My advice is always declare anything non-standard to your insurer. While it may cost you a bit more, you will protect your backside if it all goes wrong.
Andrew has been riding motorcycles since he was 10 years old and currently rides a ZZR1400 as his daily commuter whether it is sunny or snowing. In addition, he is currently restoring an old Honda CB750 K1. Andrew practices across all areas of motorcycle law, with his practice involving both civil claims and motoring defence work.
Disclaimer: The legal advice and statements contained within this/these articles is correct at the time of printing. If you are seeking legal advice after a motorbike accident please contact us to speak directly with one of our lawyers.
About On 2 Wheels
The O2W legal column is compiled by managing partner Andrew ‘Chef’ Prendergast and his bike-riding barristers and solicitors at White Dalton Motorcycle Solicitors.
The firm deals with personal injury claims and its sister company, Motor Defence Solicitors, deals with motoring offences.
White Dalton lawyers have a vast knowledge of bike law - and they have full bike licences, too. They don’t act for insurance companies or the prosecution.
White Dalton is Britain’s premier specialist motorcycle law practice, and if its professionals don’t know the answer to your question, there probably isn’t one. Don’t rely on the advice from your insurance-appointed solicitor – get proper independent advice.