Riding w/o ownership?

[FrozT]

Ok, here goes my story.

 

COI my neighbour bike since 2004 and finish up paying in 2006. At that time i trust him coz we been to trail couple of time b4 and sumore he just live beside my blk. Didnt transfer immdiately coz for sum reason sumhow, bike shop dun allow it. Went to bike shop itself and was told the only way to transfer was for the owner/my nieghbour to sell to shop & shop sell to me. So lan lan, i was just add as a sub-rider.

 

Things get bad when my neighbour got married and move to another place just 6mths before the installment to shop finish. I paid the installment promptly right up till the last installment. Now, the bike is no longer under hire purchase from bike shop and now so called only owned by my neighbour. By this time, i totally lost contact with him. Went ard looking for him at his work place, called his hp already change no. Went to his new house but its already rented out to foriegners and they say, every month, they just pay their rental by transferring money to this fella acct.

 

So since 2006, i have been renewing the insurance myself so called on behalf of the owner and im still a sub-rider. I tried looking hi & lo for him but still unable to find. Twice a year i visited his last known address, but everytime diff ppl is living in it.

 

My problem now: Wanted to "renew" insurance with NTUC last mth, but unable to do so becoz my neighbour/bugger hv not been paying his monthly installment for the insurance of his car. I was like WAT THE FIAK!!

NTUC is now freezing any insurance renewal of anything under his name. So i cannot ride the bike no more coz now, no insurance & road tax.

Called LTA, told them the story and they also say the cant do anything.

All this while, i wanted to transfer the bike to me but i cant coz really got no idea where he is. Address also bo pakai. Once in 2007 i met him at a petrol kiosk with his 2nd hand wrx. Got his no and told him next week do the transfer. Didnt do immediately coz i was on reservist at that time but to my dismay, just like 4 days aft that, call the no that he gave me, it was no longer in use. I was dumbfounded aft that and now, i really dunno wat else to do. Going to make a police report soon and maybe seek help from MP is theres gonna be any. At the same time, want to get some opinion or advice from any of u here. Thanks

[the_scientist85]

If he don noe, then you are seriously underestimating him.

 

When was mechs authorised to ride bikes they are testing on? If their name is not in the bikes as sub riders, then its illegal.

 

Its just how people usually close one eye about it. But since you think that it happens, means its legit is kinda showing how much you don noe.

 

Bikes and cars rules are sometimes very different. A sub rider already has his/her name in the insurance. A driver does not.

 

For bikes, subriders riding the motorcycles without the owners consent is legal. Because prior consent is given.

 

For Cars, driving without the owners knowledge meant its illegal.

 

i tink u are the one hu doesnt noe. mechs has been authorised to ride bikes they are testing on, since i tink start of this liscence thingy. like 2 wheeler said, its called trade insurance. i also recently onli i noe its legit as i asked a few forumers, frens n mechs. i tink this issue had been discuss b4, but not many times, n not directly under a named thread. neway i dun mean anyting wen i ask him wether he sure anot, dunno say dunno.

Edited February 10, 2009 by the_scientist85

[eFzek17]

Ok, here goes my story.

 

COI my neighbour bike since 2004 and finish up paying in 2006. At that time i trust him coz we been to trail couple of time b4 and sumore he just live beside my blk. Didnt transfer immdiately coz for sum reason sumhow, bike shop dun allow it. Went to bike shop itself and was told the only way to transfer was for the owner/my nieghbour to sell to shop & shop sell to me. So lan lan, i was just add as a sub-rider.

 

Things get bad when my neighbour got married and move to another place just 6mths before the installment to shop finish. I paid the installment promptly right up till the last installment. Now, the bike is no longer under hire purchase from bike shop and now so called only owned by my neighbour. By this time, i totally lost contact with him. Went ard looking for him at his work place, called his hp already change no. Went to his new house but its already rented out to foriegners and they say, every month, they just pay their rental by transferring money to this fella acct.

 

So since 2006, i have been renewing the insurance myself so called on behalf of the owner and im still a sub-rider. I tried looking hi & lo for him but still unable to find. Twice a year i visited his last known address, but everytime diff ppl is living in it.

 

My problem now: Wanted to "renew" insurance with NTUC last mth, but unable to do so becoz my neighbour/bugger hv not been paying his monthly installment for the insurance of his car. I was like WAT THE FIAK!!

NTUC is now freezing any insurance renewal of anything under his name. So i cannot ride the bike no more coz now, no insurance & road tax.

Called LTA, told them the story and they also say the cant do anything.

All this while, i wanted to transfer the bike to me but i cant coz really got no idea where he is. Address also bo pakai. Once in 2007 i met him at a petrol kiosk with his 2nd hand wrx. Got his no and told him next week do the transfer. Didnt do immediately coz i was on reservist at that time but to my dismay, just like 4 days aft that, call the no that he gave me, it was no longer in use. I was dumbfounded aft that and now, i really dunno wat else to do. Going to make a police report soon and maybe seek help from MP is theres gonna be any. At the same time, want to get some opinion or advice from any of u here. Thanks

 

 

bro. u can look out for other companies to renew mah. somemore u finish ya installment.

[kurarensu]

wa this discussion quite long alrdy

[the_scientist85]

Ownership and ridership are two different matters.

 

If you do not own the bike but with the permission of the owner, and there is insurance cover for the rider, then it is perfectly legal.

 

NEWAY BACK TO THE TOPIC. i agree wif dis statement. n seriously i disagree wif vicious kitty saying theres a time limit to the transfer, or the ins gets void.

 

SCENARIO 1: u work as a despatch, ride company delivery bikes for 10 yrs without doing ownership transfer. but ther is insurance cover for u. ok la say tp, they dun own the bike they are riding, but insurance covered. legal rite?

 

SCENARIO 2: ur insurance expire. u own the bike. u hiong without insurance. eeven u own bike still illegal rite?

 

Bottom line gahmen dun care whose vehicle u ride, as long have valid insurance cover. n i hear the minimum requirement to ride a bike is valid insurance n road tax, n liscence. nvr hear valid ownership b4

[GuiNNeSS]

i tink u are the one hu doesnt noe. mechs has been authorised to ride bikes they are testing on, since i tink start of this liscence thingy. like 2 wheeler said, its called trade insurance. i also recently onli i noe its legit as i asked a few forumers, frens n mechs. i tink this issue had been discuss b4, but not many times, n not directly under a named thread. neway i dun mean anyting wen i ask him wether he sure anot, dunno say dunno.

 

If its trade insurance covering that mech, why didnt you just specify that the mech was authorised because he has a trade insurance.

 

As 2wheeler mentioned, only some mechs are covered, thats why only some mechs are allowed to ride the bikes.

 

Not all mechs are covered, and if you dont noe they are covered, you letting them ride your bike is legal or not? Who holds the liability in the event that a mech crashed your bike?

 

And I replied you that you were underestimating him, I didnt suggest you were underestimating me did I? And if he dont noe, then I will say sorry to you.

 

However, he did noe, so shouldnt you be telling him sorry that you suggest he don noe? And since I noe he noes and telling you so.....so should I be apologizing to you?

 

You noe?

[GuiNNeSS]

NEWAY BACK TO THE TOPIC. i agree wif dis statement. n seriously i disagree wif vicious kitty saying theres a time limit to the transfer, or the ins gets void.

 

SCENARIO 1: u work as a despatch, ride company delivery bikes for 10 yrs without doing ownership transfer. but ther is insurance cover for u. ok la say tp, they dun own the bike they are riding, but insurance covered. legal rite?

 

SCENARIO 2: ur insurance expire. u own the bike. u hiong without insurance. eeven u own bike still illegal rite?

 

Bottom line gahmen dun care whose vehicle u ride, as long have valid insurance cover. n i hear the minimum requirement to ride a bike is valid insurance n road tax, n liscence. nvr hear valid ownership b4

 

 

First, you can object all your want, I still think you need to research your objections a bit more.

 

Second, your scenrio one applies to any rider insurance for companies. Not the private owned motorcycles.

 

Third, I no understand u about it being illegal to expire your insurance and hiong a bike. What is hiong a bike? Type inklish can?

 

And lastly, who told you that valid insurance, road tax & licence does not correspond to valid ownership?????????

 

Valid insurance, means you have to be a subrider or with a Owner holding a non riding insurance and you are a subrider, if you are NOT a owner.

 

Valid road tax is the matter of the owner of the bike.

 

Valid Licence is the matter of the Rider.

 

Eg. If the subrider had his licence suspended. But since he is still covered in insurance as a subrider for a bike. Him/her riding that bike out is illegal, and since he is still a subrider, with a revoke licence and riding a bike.

 

The owner of the bike will be liable for suspension of his/her licence. While the subrider maybe gets a fine on top of his earlier fine and revoke.

[2_wheeler]

Ok, here goes my story.

 

COI my neighbour bike since 2004 and finish up paying in 2006. At that time i trust him coz we been to trail couple of time b4 and sumore he just live beside my blk. Didnt transfer immdiately coz for sum reason sumhow, bike shop dun allow it. Went to bike shop itself and was told the only way to transfer was for the owner/my nieghbour to sell to shop & shop sell to me. So lan lan, i was just add as a sub-rider.

 

Things get bad when my neighbour got married and move to another place just 6mths before the installment to shop finish. I paid the installment promptly right up till the last installment. Now, the bike is no longer under hire purchase from bike shop and now so called only owned by my neighbour. By this time, i totally lost contact with him. Went ard looking for him at his work place, called his hp already change no. Went to his new house but its already rented out to foriegners and they say, every month, they just pay their rental by transferring money to this fella acct.

 

So since 2006, i have been renewing the insurance myself so called on behalf of the owner and im still a sub-rider. I tried looking hi & lo for him but still unable to find. Twice a year i visited his last known address, but everytime diff ppl is living in it.

 

My problem now: Wanted to "renew" insurance with NTUC last mth, but unable to do so becoz my neighbour/bugger hv not been paying his monthly installment for the insurance of his car. I was like WAT THE FIAK!!

NTUC is now freezing any insurance renewal of anything under his name. So i cannot ride the bike no more coz now, no insurance & road tax.

Called LTA, told them the story and they also say the cant do anything.

All this while, i wanted to transfer the bike to me but i cant coz really got no idea where he is. Address also bo pakai. Once in 2007 i met him at a petrol kiosk with his 2nd hand wrx. Got his no and told him next week do the transfer. Didnt do immediately coz i was on reservist at that time but to my dismay, just like 4 days aft that, call the no that he gave me, it was no longer in use. I was dumbfounded aft that and now, i really dunno wat else to do. Going to make a police report soon and maybe seek help from MP is theres gonna be any. At the same time, want to get some opinion or advice from any of u here. Thanks

 

You’ll have to find the owner for the bike in order to do the transfer of ownership. Try engaging a private detective for help.

[2_wheeler]

NEWAY BACK TO THE TOPIC. i agree wif NEWAY BACK TO THE TOPIC. i agree wif dis statement. n seriously i disagree wif vicious kitty saying theres a time limit to the transfer, or the ins gets void.

 

You need insurance in order to do transfer of ownership. The insurance will be valid once the transfer of ownership is done.

 

SCENARIO 1: u work as a despatch, ride company delivery bikes for 10 yrs without doing ownership transfer. but ther is insurance cover for u. ok la say tp, they dun own the bike they are riding, but insurance covered. legal rite?

 

The owner of the bike is the company. The company can authorised their staff to ride the bike.

 

SCENARIO 2: ur insurance expire. u own the bike. u hiong without insurance. eeven u own bike still illegal rite?

 

It is an offence to ride a bike without insurance.

 

Bottom line gahmen dun care whose vehicle u ride, as long have valid insurance cover. n i hear the minimum requirement to ride a bike is valid insurance n road tax, n liscence. nvr hear valid ownership b4

 

Valid insurance means in the event of a claim, insurer will pay for the damages.

 

What is Insurance? Insurance is basically a protection against a financial loss which can arise on the happening of an unexpected event.

[the_scientist85]

ok so next qtn. wher to check for ownership of vehicle?

Edited February 12, 2009 by the_scientist85

[GuiNNeSS]

ok so next qtn. wher to check for ownership of vehicle?

 

LTA.

 

Then also to check for the finance company/bike shop as its so commonly known whether the bike installments are paid up and released for ownership transfer.

[the_scientist85]

haha... yeah rite. . ask lta, say can. ask shop, oso can. ask insurance agent, oso can. hmmm u still dun believe y not u try doing it. ownership IS NOT a MINIMUM requirement to ride. but w/o ownership in future u cant renew road tax, so maybe wat u meant time limit is as long as the road tax is valid. neway i agree wif ur quote "the shortest answer is doing".

Edited March 6, 2009 by the_scientist85

[GuiNNeSS]

haha... yeah rite. . ask lta, say can. ask shop, oso can. ask insurance agent, oso can. hmmm u still dun believe y not u try doing it. ownership IS NOT a MINIMUM requirement to ride. but w/o ownership in future u cant renew road tax, so maybe wat u meant time limit is as long as the road tax is valid. neway i agree wif ur quote "the shortest answer is doing".

 

Can someone explain what this twit is typing about?

 

I read really lost the ball somewhere.

 

Since you agree with the quote, shouldnt you start practising it instead of telling people here you agree, but never done it?

[GuiNNeSS]

BTW, someone here owes a apology to somebody.

 

And if someone has done enough research instead of sprouting questions which he dont know and assume others should not know, or he had tot that others was not as gong as him, to know the difference between authorities......he owes me a apology.

[the_scientist85]

I've juz called LTA to make the enquiry..

the officer told me that i can ride the bike..

 

the owner does not have insurance for the bike anymore..

 

u ask LTA. jus a matter of phonecall, no need to research so deep. its legal to ride W/O ownership mah... things that u dont noe or cant see doesnt mean it doesnt exist. same like the trade insurance thingy, i oso nvr seen it b4, but it exists. u scroll up to earlier post. they aredi discuss this so long ago

 

minimum requirement is valid liscence, valid roadtax n valid insurance. if u dun have ownership means in future u jus cant renew roadtax n cant ride. so the time limit is as long roadtax is valid, n thats 6 mths to 1 yr. n btw, onli 1 insurance per bike is recognised

 

yeah i agree dat someone owes somebody n apology

[2_wheeler]

u ask LTA. jus a matter of phonecall, no need to research so deep. its legal to ride W/O ownership mah... things that u dont noe or cant see doesnt mean it doesnt exist. same like the trade insurance thingy, i oso nvr seen it b4, but it exists. u scroll up to earlier post. they aredi discuss this so long ago

 

minimum requirement is valid liscence, valid roadtax n valid insurance. if u dun have ownership means in future u jus cant renew roadtax n cant ride. so the time limit is as long roadtax is valid, n thats 6 mths to 1 yr. n btw, onli 1 insurance per bike is recognised

 

yeah i agree dat someone owes somebody n apology

 

what does valid insurance mean?

[2_wheeler]

haha... yeah rite. . ask lta, say can. ask shop, oso can. ask insurance agent, oso can. hmmm u still dun believe y not u try doing it. ownership IS NOT a MINIMUM requirement to ride. but w/o ownership in future u cant renew road tax, so maybe wat u meant time limit is as long as the road tax is valid. neway i agree wif ur quote "the shortest answer is doing".

 

you may like to ask your insurance agent where is the insurable interest?

[Barongan78]

happen to me b4, wen my license bn revoke...

my fren add his name on d insurance s a subrider(wit my permission of cos), cos no matter wat, insurance hv to b under my name but s non-riding.. Can't change d ownership cos still under instalment(hv to top up alot if wanna change of ownership)..

so wenever he wanna renew d rdtax n insurance, he'll find me cos all d letter will b send to my house.. so yeah, u dun hv to b d owner of d bike to ride if u hv d valid insurance s a subrider to d bike...

[GuiNNeSS]

u ask LTA. jus a matter of phonecall, no need to research so deep. its legal to ride W/O ownership mah... things that u dont noe or cant see doesnt mean it doesnt exist. same like the trade insurance thingy, i oso nvr seen it b4, but it exists. u scroll up to earlier post. they aredi discuss this so long ago

 

minimum requirement is valid liscence, valid roadtax n valid insurance. if u dun have ownership means in future u jus cant renew roadtax n cant ride. so the time limit is as long roadtax is valid, n thats 6 mths to 1 yr. n btw, onli 1 insurance per bike is recognised

 

yeah i agree dat someone owes somebody n apology

 

Then maybe you need to learn to agree and do it. Better then type here.

 

FYI, I've seen it, I've done it and I've dealt with it.

 

What you are here suggesting is that some people here dont know, and in actual fact, is now suggesting I do not know.

 

Now. Since you suggest others do not know, and that further research is not ne cessary. Then why were you suggesting what you've seen but not actually know as something as you do know and others dont?

 

Having a 2b licence and a ****, does not make you a man. Try researching that before you type again.

 

its embraressing when we have a scientist here sprouting what he doesnt know, and suggest everyone is as ignorant as he is or not as 'knowledgeable' as he is.

 

What you see, what you think happened wth the mechanic, so far, does not correspond to those who actually know.

 

Again. For those who can type, who can agree, but cannot actually do anything reasonable as befitting his alias, is about as happening as my nail growing. It did not need a brain to grow either.

[GuiNNeSS]

Just in case that someone missed it.

 

This is the legality forum. If someone knows only to ask question but refusing to read the reasonings behind every answer or the answers. He really shouldnt be wasting everyone's time on this forum.

 

Its embraressing when someone is suggesting that because there is smoke, there must be fire that started the smoke.

[the_scientist85]

watever la.... seriously i tink waste time. i dont come here to argue. jus do wat u tink is rite. if u say illegal den let it be... den jus dun ride if bike not under ur name... n if i wrong so wat? if u rite den so wat? i said IF onli, i still dun agree dat u r rite. Singapore is a free country so u cn tink wat u wan.

 

btw if ur flat not under ur name n u contribute to the household, i suggest u better move out coz its illegal. the owner may be charged under illegal renting of the house. u are not the owner mah....hahaha. of coz i noe this is nonsense but its funny to me.

Edited March 9, 2009 by the_scientist85

[xiaoxiao]

watever la.... seriously i tink waste time. i dont come here to argue. jus do wat u tink is rite. if u say illegal den let it be... den jus dun ride if bike not under ur name... n if i wrong so wat? if u rite den so wat? i said IF onli, i still dun agree dat u r rite. Singapore is a free country so u cn tink wat u wan.

 

btw if ur flat not under ur name n u contribute to the household, i suggest u better move out coz its illegal. the owner may be charged under illegal renting of the house. u are not the owner mah....hahaha. of coz i noe this is nonsense but its funny to me.

 

singapore not really a free country.

 

 

that shows how much depth u have.

ppl talking abt riding + ownership

u talk abt flat + living in it.

 

it is really funny to me too.

[the_scientist85]

ya lor.... ppl tokin abt bike i tok abt flat. sounds moronic but im laughing, ur laughing n i noe kitten ther will laugh too. haha.

 

haha very off topic. i hope moderators close this thread b4 it becomes out of cntrl.

Edited March 9, 2009 by the_scientist85

[xiaoxiao]

sounds moronic.

 

im glad u think tat way.

 

urself = moronic?

 

 

[GuiNNeSS]

1. I am not laughing. I did not think legalities and giving people the right information is a laughing matter.

 

2. I am not laughing, because someone on this forum pissed me off, by insulting others about knowing things or not, and yet does not know how to apologise.

 

3. I am still not laughing, especially when someone with not a cell to his brain is suggesting that he/she should get away with moronic behaviour by claiming to be moronic, or that this thread is moronic. So far, very good answers was provided to the TS, somehow some morons just decide that he see better, so he should be holier then thou and discount everyone that actually is contributing to the TS knowledge.

 

4. This is NOT a laughing matter. In the event that the TS was suggested to the wrong beliefs by morons. Who is to blame in the event of a accident, death & arrest?

 

The moron that sees and believes that what he/she saw is the norm? Or the fellas that never give out good information.

 

5. I dont see how muddling the matter with inconsequential comments such as being moronic has anything to do with requirements to apologize, nor that this thread should be closed because of some morons that typed craps, typed in only the language he/she understands, or had a personalty problem......as a reason for the thread to be closed.

 

It seems to be more of a very good example of how often newbies bikers fall trap to bad situations thru moronic advisers that has no research nor learning into the workings of the insurance, legal & traffic framework.