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<blockquote data-quote="Magnetoman" data-source="post: 102616" data-attributes="member: 2806"><p>That's the way it is for me as well. I'm reasonably sure Australia is the same way, i.e. the insurance basically is attached to just the vehicle, not as well to the person operating it (as long is they're licensed). It's those pesky Europeans who make borrowing motorcycles difficult.</p><p></p><p>This discussion reminded me of a discussion I had on the Cannonball with a representative for Hagerty Insurance, one of the sponsors, who was along for the ride. My old bike insurance is with Condon & Skelly and he told me Hagerty covers riding in a timed event, which the Cannonball is, but C&S doesn't. That's not something you want to hear when you're 3000 miles from home with another 1000 miles to go on the ride. Anyway, the renewal notice came a few days ago and so today I called C&S. It turns out they <em>do</em> cover an event like the Cannonball, and they paid out for the total loss of a bike that burned up completely in the previous one. </p><p></p><p>Relevant to the current discussion, he confirmed that the norm for U.S. policies is they "follow the vehicle, not the driver." As long as one of my motorcycles meets the other requirements of the policy it is insured when ridden by anyone I loan it to in exactly the same way it is covered if I'm riding it myself. The full policy is 21 pages long and damn Graham for posting his question because now I feel I have to carefully read it.</p></blockquote><p></p>
[QUOTE="Magnetoman, post: 102616, member: 2806"] That's the way it is for me as well. I'm reasonably sure Australia is the same way, i.e. the insurance basically is attached to just the vehicle, not as well to the person operating it (as long is they're licensed). It's those pesky Europeans who make borrowing motorcycles difficult. This discussion reminded me of a discussion I had on the Cannonball with a representative for Hagerty Insurance, one of the sponsors, who was along for the ride. My old bike insurance is with Condon & Skelly and he told me Hagerty covers riding in a timed event, which the Cannonball is, but C&S doesn't. That's not something you want to hear when you're 3000 miles from home with another 1000 miles to go on the ride. Anyway, the renewal notice came a few days ago and so today I called C&S. It turns out they [I]do[/I] cover an event like the Cannonball, and they paid out for the total loss of a bike that burned up completely in the previous one. Relevant to the current discussion, he confirmed that the norm for U.S. policies is they "follow the vehicle, not the driver." As long as one of my motorcycles meets the other requirements of the policy it is insured when ridden by anyone I loan it to in exactly the same way it is covered if I'm riding it myself. The full policy is 21 pages long and damn Graham for posting his question because now I feel I have to carefully read it. [/QUOTE]
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