NOT NECESSARILY. Every policy has its own terms and conditions. It's tailor made for you as an individual, and even though it might share features, conditions and terms with the policies of other riders, it's designed for you alone. Some comprehensive policies do indeed allow you to ride any motorcycle on a 3rd party basis. In other words, you'll be covered if you hit someone else, but not if you damage yourself or the bike. Other policies will not give you such cover, so check with your broker. And note that if you ride a friend's motorcycle without cover, your friend can also be prosecuted for allowing you access to the bike. A comprehensive policy is designed to cover you from all risks to your own vehicle, whilst also protecting other road users and pedestrians. Note too that occasionally comprehensive policies are actually the cheapest policy you can get. Why so? Because insurance companies often feel that riders looking for all risks cover are more reliable and responsible, whereas riders looking for basic cover are more injudicious if not reckless. However, the rules and requirements and actuarial thinking constantly changes and evolves. The industry is all about risks, and occasionally the conclusion of the experts and the computers makes little obvious sense. But there's usually some "method in the madness." Should I buy comprehensive cover? We always do. You'll have to call it as you see it, but only after talking to your broker. Insurance company information gathering and data sharing For the more paranoid amongst us, you might want to remember that insurance firms routinely harvest data and share it with other companies, usually within the same corporate family, but occasionally outside of that. So what you tell them "in confidence" might well become an open secret—and that could later impact you or your credit status. Members of the public are usually warned that their data could be shared. But our advice is to take no chances. Tell your broker clearly and repeatedly not to share your data or contact you with offers—unless you're happy to make your life a totally open book. Does that answer your question? 
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