Kawasaki Sportsbike Riders Club - Australia - Online Forum

all this UN makes me wnt to get some NRMA insurance!

i think you all need a bit of UN in your lives and Unworry

Has this happend on a KSRC Ride? .If so and you know that they arn't just refuse to ride with them.....

I Have full comp so I'm guessing if an unrider crashes into me or I them I'm still covered...I hope

DISCO wrote:just refuse to ride with them.....

Well, that's kinda what this thread is about. I'm not going to refuse to ride with someone unless there's a good reason. Seriously, imagine you're at a ride meet-up point and an un-rider shows up... you're just going to either not go on the ride, or try to get the un-rider not to go - I'd want a good reason before missing a good day out, or telling someone to fuck off / asking someone not to ride with the group. And I'm trying to figure out what the reasons are.

Other than the first risk that I outlined (claiming on the other person's 3rd party property insurance saved us well over 1K, instead of claiming on our own comprehensive policy - an option we wouldn't have had if the rider was unlicenced), and the second indirect risk, I can't think of any other reasons it would effect me, and therefore any reason to refuse to ride with the hypothetical un-rider, other than a gut reaction.
I guess you could add a third reason - they are breaking the law by being an un-rider, but I try not to be hypocritical and who hasn't broken a law?

Can anyone give any practical reasons to refuse to ride with an un-rider?

(Saki - love your NRMA comment )

Cath wrote:Can anyone give any practical reasons to refuse to ride with an un-rider?

I guess not! But one point would be to ensure your covered as Id hate to see the s fight between two unriders should a collision occur... Always remember roughly your renewal dates for insurance as I never rely solely on Aust Post to send the renewal or reminders anymore after I went two months with the Ute not covered care of missing mail!!!

My bad didn't know it was only a hypothetical un-rider

DISCO wrote:Has this happend on a KSRC Ride? .If so and you know that they arn't just refuse to ride with them.....

I Have full comp so I'm guessing if an unrider crashes into me or I them I'm still covered...I hope

I agree Dave, Is there something happening here Cath??? alot of people ride together, we see it on every sunday or even saturday now. If there is someone doing this, they should be told that most people would not like them to be riding in the group. I myself hate the fact not beiong insured. Even though my gpx i not worth anything, i care more about the people around me to be insured.

BUT i have seen with insureance companies, if the person is at fault your insurance company will get you all fixed up then go after either there insurance company or the person at fault. IT happend with us in one of our cars. We had a accident once in our car, the other driver was at fault, our insurance company straight away gave us a curtesy car and got all the damages fixed straight away, we didnt have to pay a excess or nothing. I was driving and wasnt even on the policy lol. All they need was confermation that i was aloud to drive the car.

I cant turn around and bag out UN's since i have ridden my zx7r around my street. so im guilty of that. but everyone is. its when they get out in traffic and interact with other drivers were i get abit shitty.

Punk, this thread is intended to be just a general, hypothetical discussion

all good Cath, just seems to be alot of conversation about it, just thought someone was actually doing this up the old road or something.

i understand where your coming from cath but it's not an easy one for answers,,,,,,driving a car or riding a bike in it's self is a game of roulette,,,,,,,to better the odds in any outcome of a accident it pays to be fully covered,,,,,,,,as for the un i feel it to be very selfish for one as i would not want to do something as stupid as being a un ,,,,,,just the thought of putting someone's normal life at risk does not do it for me,,,,,,,,my 2c,,,,,,,paul

Ok been in an accident with someone who wasn't insured, and it was their fault, if you have insurance, full comprehensive insurance and the accident isn't your fault and you need stuff fixed, your insurance company will fix it and then they go after the other person involved in the accident, the same is for any damage done that requires medical, if you are riding uninsured and unlicenced then you are taking a huge risk at your own cost because the insurance company sues your a** if you can't pay or work out a pay arrangement for damages. I personally don't like the fact because if you are irresponsible enough to ride without a licence or insurance then you maybe someone who also rides in the same manner which endangers others, I don't like the idea I would avoid riding near that person but I wouldn't give up a ride for it, I would also prefer not to know as if there is a fatalty involved and you were aware that person was riding unlicenced I don't know for certain (can find out) but would hate for you to be charged for not reporting someone doing something illegal.

Saki wrote:all this UN makes me wnt to get some NRMA insurance!

i think you all need a bit of UN in your lives and Unworry

yes, I must say Im not a fan of unlicenced & unregistered's riding. As long as they are behind me, It doesn't bother me, although I dont endorse it, it is commonplace when motorcycles are involved.

I think most of these riders simply see it as evading the law & hope not to get caught, but I dont think any of them understand the other implications involved, which can sometimes be catastrophic.

In regards to them hitting you, you are very exposed on places like the old road, people you have never met coming the other way, if there not insured and they hit you, it will be a shitfight working out who's covered for what.

This is not uncommon place, go for drive through Bankstown or Minto or Campbelltown and spot how many cars you think have no insurance, unreg etc. it is common place. Same happens if they hit you, your stuffed.

Our green slips should protect us from this, but they dont..unfortunately.

I think its rude to come along unregistered... and I dont like rude people.

From a legal stand point the only person who can get pinched by the law is the rider. You are not committing an offence by riding with an un-rider, even if you are aware of their status. You are however more likely to draw attention to the group. If that means you are more likely to get someone go over your bike with a fine tooth comb while they are writing up the un-rider, well that depends on the police. Personally I'm quite lenient with things like that. I'd write up the un-rider but the rest of the group i'd let go without giving them a hard time (but i'm biased for bikes). This would be the only possible negative aspect to riding with an un-rider.

Insurance wise, as long as you have full comp, it doesn't matter if the other rider is unlicenced/unregistered/uninsured. Your insurance will pay for you. If you only have third party then you are shit out of luck because the un-rider's third party will be null and void.

I'd still advise against it and personally I wouldn't ride with an un-rider. I think its pretty average for someone to show up to a group ride like that anyway. What sort of friends do you have?

Ultramarine wrote:it doesn't matter if the other rider is unlicenced/unregistered/uninsured. Your insurance will pay for you. If you only have third party then you are shit out of luck because the un-rider's third party will be null and void.

yes, your bike will be covered, but if you end up with $30,000 work of medical bills, then your fucked cause there is no one to pay it, as their green slip which is suppose to cover you is null and void cause they are riding illegally.