I have been talking to this girl and she is into bikes and all that and was wanting me to take her on a ride. Since i live with my parents i asked them and they said ya as long as it was in the neighborhood because my dad said i needed passenger insurance. I have never heard anything of this at all. I was wondering if there is such a thing, because when i filled out for my insurance i dont remember seeing anything about it.
In the UK it is usual for the insureance company to ask several questions, rough annual mileage? will you carry a passenger? are normal. It does not normally cost any more to say "yes" so check with your bike "liability - Third party" insurer.
I know my insurance has a specific amount of the premium dedicated for passenger insurance. It will be listed as a separate line item. Read your policy and if you are still unsure, better contact your agent. btw....I use Allstate.