Insuring a street bike?

vrizzo53 · 03-08-2016, 06:31 PM

Okay.. let me try making this as short as possible. I have the 370z, I'm 22 years old I'm paying 3200 for car insurance... my cousin has asked me to get a insurance plan for his bike and put it under my name and register him as another driver under the plan. Now what are the negative effects with this, God forbid he gets Into a accident, or drunk driving, or speeding what kind of negative effects can or will happen. Will my rates for my z go up if there is a moving violation ?

wanker · 03-08-2016, 06:56 PM

The negative effect is that you'd be a complete idiot to do this.

Motorcycle insurance is cheap -- they don't cover much. If your cousin can't get insurance on his own, then something is up.

RonRizz · 03-08-2016, 07:05 PM

Damn right... Unless you want to end up on peoples court someday.
Insurance wouldn't be any cheaper for you than him at 22, unless his driving record is all balled up, in which case you don't want him on yours anyway.
If there is damage beyond what your insurance covers.....guess whos liable for the bill.

ZeroZeta · 03-08-2016, 07:16 PM

I appreciate the desire to help your fam, but your cousin needs to be a man and handle his own affairs. If he is not responsible enough to get his own insurance, he doesn't need to be on a bike. Not your problem and should not be your risk.

Chuck33079 · 03-08-2016, 07:20 PM

Do not do this. You'd be the one to get sued if he hurt or killed someone.

MarkGideon · 03-08-2016, 07:28 PM

See above. Never put anyone on your insurance unless you are married to them, you helped make them, or you are married to someone that made them.

Chuck33079 · 03-08-2016, 07:31 PM

Quote:

Originally Posted by MarkGideon

See above. Never put anyone on your insurance unless you are married to them, you helped make them, or you are married to someone that made them.

I'd extend that beyond insurance to anything with a dollar sign on it.

Trips · 03-08-2016, 07:34 PM

Op,

You're getting pretty sound advice here.

cya

SouthArk370Z · 03-08-2016, 07:43 PM

I agree with everybody else - don't do it. Take MarkGideon's advice to heart.

Chuck33079 · 03-08-2016, 07:45 PM

Also, $3200 a year insurance on a Z? Good lord.

birdman71 · 03-08-2016, 07:46 PM

You're paying 3200 per year in auto insurance for your Z? I don't know NJ's rates but seems very high. I work for an State Farm in CA and only pay about $1700 per year and I'm 21

As for the other issue at hand, everyone else is right.

Duc_Z09 · 03-08-2016, 08:33 PM

Tell him to get State Farm; I insure my Ducati through them. If he's young he's boned regardless because rates for young dudes on street bikes are outrageous. This is because street bikes turn even responsible drivers into complete hooligans (*ahem*

) and young dudes are idiots to begin with. Definitely don't put him on your policy.

MagmaRed370z · 03-08-2016, 08:49 PM

3,200!!!! Holy crap man!!!

I pay $700 for 6 months total for full insurance on my Z and SUV with Geico. (I'm 33)

Rusty · 03-08-2016, 08:56 PM

Op is paying $3200 a year now. By putting your cuz on with your insurance. Your insurance will double if he has a bad driving record. If ANYTHING happens. Guess who will lose his insurance? Guess who will get sued? Guess who might lose everything? It ain't your cuz. If your cuz is asking you to do this for him. He's already in deep dodo.

barncobob · 03-08-2016, 09:11 PM

nope, no, nada, don't do it.

03-08-2016, 06:31 PM	#1 (permalink)
vrizzo53 Base Member Join Date: Sep 2015 Location: Jersey Posts: 70 Drives: 2013 370z Touring Rep Power: 10	Insuring a street bike? Okay.. let me try making this as short as possible. I have the 370z, I'm 22 years old I'm paying 3200 for car insurance... my cousin has asked me to get a insurance plan for his bike and put it under my name and register him as another driver under the plan. Now what are the negative effects with this, God forbid he gets Into a accident, or drunk driving, or speeding what kind of negative effects can or will happen. Will my rates for my z go up if there is a moving violation ?

03-08-2016, 06:56 PM	#2 (permalink)
wanker Enthusiast Member Join Date: Apr 2014 Location: San Diego Posts: 443 Drives: 2011 370Z S/T A7 Rep Power: 2901	The negative effect is that you'd be a complete idiot to do this. Motorcycle insurance is cheap -- they don't cover much. If your cousin can't get insurance on his own, then something is up. TerribleONE, 2011 Nismo#91, Felix 808 and 3 others like this.

03-08-2016, 07:05 PM	#3 (permalink)
RonRizz A True Z Fanatic Join Date: Aug 2011 Location: Pine grove, Pa Posts: 2,136 Drives: 2 feet, 3 pedals Rep Power: 6775	Damn right... Unless you want to end up on peoples court someday. Insurance wouldn't be any cheaper for you than him at 22, unless his driving record is all balled up, in which case you don't want him on yours anyway. If there is damage beyond what your insurance covers.....guess whos liable for the bill. __________________ P99rs Head Unit--- Amps- 2 Pioneer Prs800d --- Zapco ST1000MX---Zapco ST-4XSQ---- SI BM mk5 Subs---SI TM65v2 Midbass--- SI M3 mids--- SI M25 xbl2 tweeters ----- 2016 MECA street class 3rd place at world finals Last edited by RonRizz; 03-08-2016 at 07:07 PM.

03-08-2016, 07:16 PM	#4 (permalink)
ZeroZeta Track Member Join Date: Aug 2013 Location: Austin TX Posts: 543 Drives: 2013 Z Rep Power: 13	I appreciate the desire to help your fam, but your cousin needs to be a man and handle his own affairs. If he is not responsible enough to get his own insurance, he doesn't need to be on a bike. Not your problem and should not be your risk. kenchan, Dirk McGurck and Motiv8dZ like this.

03-08-2016, 07:20 PM	#5 (permalink)
Chuck33079 A True Z Fanatic Join Date: Nov 2011 Location: Houston Posts: 12,265 Drives: 2011 370ztt Rep Power: 29539	Do not do this. You'd be the one to get sued if he hurt or killed someone. TerribleONE, Felix 808, Ghostvette and 3 others like this. __________________ 2011 MB Touring-Sport-6sp-Nav/GTM TT/FI TT TDX/JTran/Kosmic/Eibach/Hotchkis/SPC/CSF/RPS/SoThatsWhereAllMyMoneyWent

03-08-2016, 07:28 PM	#6 (permalink)
MarkGideon Base Member Join Date: May 2012 Location: USA, SC Posts: 213 Drives: 2012 370Z Base Rep Power: 13	See above. Never put anyone on your insurance unless you are married to them, you helped make them, or you are married to someone that made them. SouthArk370Z, Felix 808, Chuck33079 and 5 others like this. __________________ 2012 370Z Base Gun Metallic--2015 Altima 2.5SV Gun Metallic--2020 Chevy Silverado RST--1965 Chevy C10 Stepside Shortbed

03-08-2016, 07:34 PM	#8 (permalink)
Trips Administrator Join Date: May 2009 Location: Disneyland, Ca Posts: 8,732 Drives: 🔰 Rep Power: 10	Op, You're getting pretty sound advice here. cya __________________

03-08-2016, 07:43 PM	#9 (permalink)
SouthArk370Z Premium Member Join Date: Nov 2010 Location: South Arkansas Posts: 8,435 Drives: 2014 Challenger Rep Power: 324198	I agree with everybody else - don't do it. Take MarkGideon's advice to heart. __________________ Steering Lock Links - Search The370Z Bookmarklet - FSM @ NICOclub Mankind has progressed past the need for war but we haven't evolved that far. - NachoMahma

03-08-2016, 07:45 PM	#10 (permalink)
Chuck33079 A True Z Fanatic Join Date: Nov 2011 Location: Houston Posts: 12,265 Drives: 2011 370ztt Rep Power: 29539	Also, $3200 a year insurance on a Z? Good lord. TerribleONE, Memphis370Z, birdman71 and 1 others like this. __________________ 2011 MB Touring-Sport-6sp-Nav/GTM TT/FI TT TDX/JTran/Kosmic/Eibach/Hotchkis/SPC/CSF/RPS/SoThatsWhereAllMyMoneyWent

03-08-2016, 07:46 PM	#11 (permalink)
birdman71 A True Z Fanatic Join Date: Apr 2015 Location: Los Angeles, CA Posts: 1,579 Drives: People Crazy! Rep Power: 40	You're paying 3200 per year in auto insurance for your Z? I don't know NJ's rates but seems very high. I work for an State Farm in CA and only pay about $1700 per year and I'm 21 As for the other issue at hand, everyone else is right. __________________ *Birdman's Build:* Powerhouse Amuse/ Nismo/ Eibach/ ACT/ Tommy Kaira/ Avant Garde/ Fast Intentions/ Project Kics/ Fly 1 Motorsports/ EVO-R/ Z1 Motorsports/ Weber Sports/ Zoom/ Zele Japan

03-08-2016, 08:33 PM	#12 (permalink)
Duc_Z09 Track Member Join Date: Jan 2014 Location: Frederick MD Posts: 876 Drives: With the blinker on. Rep Power: 24	Tell him to get State Farm; I insure my Ducati through them. If he's young he's boned regardless because rates for young dudes on street bikes are outrageous. This is because street bikes turn even responsible drivers into complete hooligans (ahem) and young dudes are idiots to begin with. Definitely don't put him on your policy. birdman71 likes this. __________________ 2009 370z #206 (all mods are Home Depot) 2009 Ducati 848 (full Ohlins, Termignoni, etc) 2003 Grand Cherokee (long arms, big tires, 4.56, lockers)

03-08-2016, 08:49 PM	#13 (permalink)
MagmaRed370z A True Z Fanatic Join Date: Jun 2014 Location: USA Posts: 1,468 Drives: 14' 370z Sport Magma Rep Power: 13	3,200!!!! Holy crap man!!! I pay $700 for 6 months total for full insurance on my Z and SUV with Geico. (I'm 33) __________________ Sold: 2014 Magnetic Black Base. Current: 2014 Magma Red 370z Sport \| ARK Grip Exhaust \| 25mm HR Spacers \| GTR Button \| DRL Mod

03-08-2016, 08:56 PM	#14 (permalink)
Rusty Ronin Samurai - Assassin Join Date: Dec 2011 Location: Fayettenam,Pennsyltucky Age: 68 Posts: 35,243 Drives: 2011 Nismo GM 6M Rep Power: 2684438	Op is paying $3200 a year now. By putting your cuz on with your insurance. Your insurance will double if he has a bad driving record. If ANYTHING happens. Guess who will lose his insurance? Guess who will get sued? Guess who might lose everything? It ain't your cuz. If your cuz is asking you to do this for him. He's already in deep dodo. Chuck33079, Ghostvette and vrizzo53 like this. __________________ 浪人 - 殺し屋 "The Difficult Anytime, The Impossible By Appointment Only" http://www.the370z.com/members-370z-...o-journal.html

03-08-2016, 09:11 PM	#15 (permalink)
barncobob A True Z Fanatic Join Date: Sep 2015 Location: hangtown, CA Posts: 1,164 Drives: 16 370Z auto Rep Power: 590	nope, no, nada, don't do it.

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