Can we insure a motorcycle that does not belong to us?

Like many bikers, you wonder if it is possible to insure a motorcycle that you do not own? A fundamental question that must be answered in the affirmative. We explain here how to subscribe to such a contract.

Motorcycle insurance belonging to a third party: mandatory registration in the name of the insured

To insure a motorcycle that does not belong to you, you must ensure that it is registered in your name. Clearly, if you have acquired an engine with a gray card that is not in your name, you will not be able to take out insurance for it. Having said that, the first one chose to do is to request a duplicate of the gray card. A procedure that you will take with the prefecture in order to register your two-wheelers in your name as a person wishing to take out insurance.

It is after having satisfied the formality of the registration of your motorcycle in your name that you will be admitted to the insurer. For this, it is important to have the documents to provide such as your driver’s license, car registration document, etc. at hand.

Transparency with the insurer: a necessity to insure a motorcycle owned by another person

When you eventually insure a motorcycle that is not your own, it is important to be transparent with the chosen insurance company. In other words, this information cannot be hidden from insurers.

Be aware that some insurance companies simply refuse to grant your request if you do not make this information available to them. In practice, you must notify your insurer that you want to take out insurance for an engine that you do not own. This is necessary for the insurance company you are contacting to make an informed decision whether or not to accept your perfect claim.

Keep in mind here that it is not mandatory that the gray card of the motorcycle to be insured be in the name of the driver. This must imperatively be registered in the name of the person who wishes to take out insurance for two-wheelers.



I am Daniel, a car and new technologies enthusiast.
I appreciate the culture of this magazine and the freedom to practice my profession with complete peace of mind.

Leave a Comment