If insurance is up to date but Tax not - are you still insured?

worded

I was talking to Carole Nash and they said ........ once the bike is road worthy and taxed ..........

Im thinking what the hell has road tax got to do with Insurance?
Imagine tax was a week out of date and what ...... you are not insured?

Its not the case with me - but I want to know what the story on this.

Interceptor

It is nothing to do with your insurance company whether the bike is taxed or not. They will not deny you cover on an untaxed bike. The cops take a dim view if a bike is untaxed for a long period but a week - forgeddaboudit.

Carole Nash are flutes BTW.

'cptr

seamus

It's hugely unlikely, but check your documentation just in case. In any case, they would still be bound to pay out any third-party claims regardless of the tax status.

Spades

they sure are a shower of flutes (Carole Nash), however they are the only crowd that would insure two bikes on the one policy,quinn were that few quid cheaper but i needed to be able to insure the second bike, i aso dont think it makes any difference to your insurance if your bike isnt taxed, but from my experiance with garda check points, once the bike is taxed they never ask for proof of insurance.

Interceptor

Spades wrote:

they are the only crowd that would insure two bikes on the one policy...

I don't know your circumstances but I had a pair of CBR's insured in my AON policy for most of last year with a charge of €48 to add the second bike.

'cptr

Run_to_da_hills

Spades wrote:

they sure are a shower of flutes (Carole Nash), however they are the only crowd that would insure two bikes on the one policy,quinn were that few quid cheaper but i needed to be able to insure the second bike, i aso dont think it makes any difference to your insurance if your bike isnt taxed, but from my experiance with garda check points, once the bike is taxed they never ask for proof of insurance.

Carole Nash will insure up to three bikes FOC on the one policy. If they ever bring in an NCT for bikes as they do in the UK it might open a loop hole for the insurance companies not to cover untested (untaxed) bikes.

pa990

Road Tax has no bearing on the validity of your insurance policy

galwaytt

Run_to_da_hills wrote:

Carole Nash will insure up to three bikes FOC on the one policy. If they ever bring in an NCT for bikes as they do in the UK it might open a loop hole for the insurance companies not to cover untested (untaxed) bikes.

I don't think so, because you'd have to test it first, then tax it. So you could still be tested, insured, and not taxed.

As for CN - well they wanted over 1k to insure my H-D, and I've 20 yrs of claim free riding, whilst Aon did it for Eur396. And they insured my other bike, too. No contest. CN are as bad now as NU ever were.

Keith186

they can't turn down a claim if it's not taxed. they can only turn down a claim if a) your not insured for the cover or b) you told them incorrect information that was MATERIAL to the claim. If you told them you had full licence and you had prov. but ur bike got stolen I don't think that wouldnt even matter.

XJR

You're insured, the tax thing is irrelevant no matter who the insurer is.