Comprehensive or TPFT?

[Snowy]

I'm really kicking myself right now. When I was getting my bike back on the road earlier this year I was out of work and just took out TPFT insurance with the idea of bumping it up to fully comp later. Cost was £76 versus £240. Then my bike was rear ended at my works car park 17 days ago. No real problem I thought as I had all the drivers details etc and there can't be any doubt over liability etc since I wasn't any where near the bike at the time. Damage is mostly cosmetic but expensive none the less.

Well, my bike has been sat at the assessors/repairers in Ringwood for 14 days now, and the estimate went of to the third party insurers 12 days ago. This morning I had a call from the driver who hit the bike saying she had just received a form from her insurers and can she have my policy number please? WTF! Over 2 weeks and she hasn't even filled the form in yet or admitted liability!!!

As soon as I get my bike back, I will bump the insurance up to fully comp. I'm lucky that I have a car to get to work in otherwise I'm really screwed since there is no public transport I could use. I know for some of you guys the insurance costs are huge but do bear in mind the additional costs you may have if your bike is off the road for 2 months.

And there could be no financial compensation large enough to make up for missing a certain PINK event coming up. :) :)

[evilkeneval]

Is that the insrance company taking there time or the dappy women that hit your bike? go drive into her car see how shee likes it! ;)

[bazzashazza]

if i could afford fully comp i would, im lucky that i could get my car fully comp. every time i look at insurance for the bike fully comp is extortionate despite 5 years no claims, it being garaged and the security! my tpft rite now is 270 which isnt bad considering!

[Dabz]

I paid £140 tpft, on the tt I'm looking at it'll be £195 tpft - I'd prefer FC but they want just ver £300 for that which I can't afford for something I use once a month at most.

my car is fully comp though, costs me £400 which isn't bad considering its value

[HC8]

Can't you badger the woman that hit you to sort the forms out, I'm sure her insurance company doesn't mind her tardiness as it means the money is in their bank for longer.

I've only ever insured brand new bikes as fully comp working on the premise that if it breaks/gets hit the harley isn't very expensive to fix however this isn't the case with faired bikes.

What bothers me is there is such a huge difference in price between TPFT to fully comp - often more than double just so that they will pay out more quickly in the event of an accident and sadly even those with fully comp find themselves battling.

[bigstinka]

for my tpft was £374 comp was £970 on a 2 grand bike. they wouldnt give me that money so i did tpft

[Snowy]

Her insurance company is going to get another bill from me covering the extra cost of fuel for the car and the cost of road fund license and insurance while the bike is off the road. I got the impression that she had been waiting for me to tell her how much the repairs were going to be, expecting it to be minimal so she could pay cash. I don't know what the estimate is, but I know the mirror/indicator is 150 pounds unpainted, and a new pannier is 170 (just the one). Then there's a repair and respray to both the middle and lower fairings, plus the bar end weight and cover for the handlebars. And the alarm doesn't function properly now either so I'm guessing on at least 800 smackers for the insurance.

[b_1_rd]

That'll teach her not to look for a bike then! :P £108 fully comp btw ;)

[bazzashazza]

>:( i hate u, but then again i sposes u r old ;D

[evilkeneval]

£1200 fully comp :-/

[Stu]

£154 fully comp. inc unlimited milage, business use, £100 excess and RAC cover

[evilkeneval]

>:(grrr

[Stu]

The highest I've ever paid was for my R1 with loads of mods declared and that was £340 f/c and that was4 or 5 years ago ;D

[Stu]

oops just been informed by the better half I did pay just over £400 for the GSXR1000 but that was in 2001 when they just came out [smiley=embarassed.gif]

[Sinz1000K3]

435 fc on me gsxr atm..with everything included..breakdown/ride others bikes etc...

[HC8]

>:(grrr


Just to annoy you even more i recently had a quote for a zx9r £80 TPFT and just under £200 fully comp

[mike]

£260 FC for Tuono AND CBR600, inc breakdown & European cover. Can't really complain, although there's a £450 excess... It cost twice that for my daughter's moped last year, TP only!

[Snowy]

Just as an update. One month later the car drivers insurer has agreed to liability and cough up for the repairs. Total bill is £1,800 - just for knocking the bike off the centrestand. Beemers are not cheap to repair!! May get her back in about 2 weeks or so as the fairing panels have to come direct from the factory.

[evilkeneval]

thats taken a long time to prosses!

[BouncingBunny]

I feel quite lucky with my insurance then, £140 TPFT with a £350 excess and thats with no NCB.Mind you my bike is 16 years old ;D I'll have to get a quote for FC and see what the damage is !

[Snowy]

Yep, since I only took out tpft that's the problem. I'm going to upgrade to fully comp as soon as the bike is back - it's only £160 extra. The £76 tpft did seem a real bargain at the time ha ha.

[Scott_W]

At least you've got somewhere with the liability now and it's not dragging on any longer. :)

[Dabz]

I'm going to put mine up to fully comp when I renew I think

good to hear you're getting there Graeme :D roll on 2 weeks eh?

[Gav]

Fully comp for me as you never know what might happen and these things aint cheap to repair if the worst does happen, have just renewed mine and it cost me £450

[Toecutter]

Fully comp every year, GSXR1000K3 £305 inc breakdown & legal
:)

[Sinz1000K3]

OMG..100quid cheaper than me!..405 all in:/

[Toecutter]

I use express as I found them to offer me what i need.

[Sinz1000K3]

Thats who i am with, express insurance.

[Amante_271]

They obviously heard about your exploits outside the Lysley and bumped it up!!! GOOD CALL!!! ;D

[Sinz1000K3]

Ho Ho Ho :D:D:D:D

[Rod]

Christ, this insurance lark is a bad deal from start to finish. the variation in what pay is stupid. When you want a pay out no chance. I am lucky I have a car as well as the Hog which is just for pleasure, in the car I have full no claims and no accidents or points in over 20 years, :) because I have not rode a bike for over 5 years I get Zero. >:( It's only my age that makes it cheap. Thats my winge over. :-X If you want cheap insurance get old..... :'(

[BB]

Hope you get everthing sorted & look forward to seeing you back on the road soon, Graeme

BB

[Snowy]

Rod - same with me. I have 25 years no claims in a car and zero on the bike since I had a 5 year layoff before returning earlier this year.

BB- same to you and how are the broken bones and bruises healing up?

[BB]

Hi G, getting there, slow process at the mo with the pins but at least the majority of the bruises have gone so I look less like a panda!

BB

[Rod]

Hi BB ...pins sound painfull, :( back in '76 I spent the whole of the hot summer in hospital with a broken femur which they pinned down the middle of the bone, it's still there now, never hurts or gives any problems. hope that cheers you up. :) I also broke hip and tail bone along with a wood branch stuck through cheek :'( . What day did the accident happen.....Good Friday ;D

[BB]

Oh, I consider myself pretty damn lucky to be walking about. The pinned hand was bit of a nuisance when they had to repin it all as that put it back a few weeks. Difficult driving with it too... who said I was driving? Not me Doc!

I must admit your summer of 76 sounds far worse than my last few weeks - but I always was a moaner! ;D

BB

[Rod]

Any accident, or off is bad news, no matter hoe bad the injuries, it's just some will get you more sympathy ;D But seriousely, I hope all goes well....Rod ;)