Can motorcycle insurance be under someone who does not have insurance?

In general, it is not possible to insure a motorcycle under the name of someone who does not have insurance. To insure a motorcycle, the policyholder must be an individual or entity with a valid driver's license and a history of responsible insurance coverage. If the person in question does not meet these criteria, they would not be eligible to purchase motorcycle insurance.

However, there are certain circumstances where a motorcycle may be insured under someone else's name, such as:

1. Lapsed Insurance: If the person who previously insured the motorcycle has allowed their insurance to lapse, the motorcycle may be temporarily insured under the name of another individual who has a valid insurance policy. This is usually done to allow the motorcycle to be moved or stored while the original owner arranges for new insurance.

2. Inherited Motorcycle: If a motorcycle is inherited from a deceased relative or friend, it may be possible to temporarily insure the motorcycle under the name of a family member or heir until the ownership of the motorcycle is transferred and a new insurance policy can be obtained.

3. Co-Ownership or Leasing: In some cases, a motorcycle may be co-owned or leased by two or more individuals, and the insurance may be held in the name of one of the co-owners or lessees. This arrangement is typically used when multiple people share ownership or use of the motorcycle.

In these situations, it is essential to ensure that the insurance policy accurately reflects the ownership and usage of the motorcycle. The insurance company will need to be informed of any changes in ownership, usage, or other relevant factors that may affect the insurance coverage.