Insurance

Quote:

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Originally Posted by wesrrw

[quote author=Nikki link=1345459128/1#1 date=1345459509][quote author=Conehead link=1345459128/0#0 date=1345459128]looks like im gonna finally get back on the road. :) :) :) :D

Just trying to get a feel for insurance as the Comprehensive is double the TPFT and wondered if it was worth it. Stupid question I know but I was not planning on writing her off just yet.

Anyway, just wanted to get a feel for who has what?

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I only insure my bikes TF&T but I dont usually have a bike which is worth very much so I'm happy to take the risk.

If I had a newer bike I'd certainly consider comprehensive insurance.
[/quote]
You should give it a compare next time Nikki, your bike is in excellent condition :) [/quote]

That's very kind of you :)

Makes me even more careful ;) ;D

I reckon I must have Scottish ancestry too tight to pay Comprehensive premiums really. ;D ;D

The trouble is the longer I go without having to make a claim the harder it is to part with cash for Comprehensive cover.

Quote:

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Originally Posted by Nikki

[quote author=wesrrw link=1345459128/8#8 date=1345480011][quote author=Nikki link=1345459128/1#1 date=1345459509][quote author=Conehead link=1345459128/0#0 date=1345459128]looks like im gonna finally get back on the road. :) :) :) :D

Just trying to get a feel for insurance as the Comprehensive is double the TPFT and wondered if it was worth it. Stupid question I know but I was not planning on writing her off just yet.

Anyway, just wanted to get a feel for who has what?

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I only insure my bikes TF&T but I dont usually have a bike which is worth very much so I'm happy to take the risk.

If I had a newer bike I'd certainly consider comprehensive insurance.
[/quote]
You should give it a compare next time Nikki, your bike is in excellent condition :) [/quote]

That's very kind of you :)

Makes me even more careful ;) ;D

I reckon I must have Scottish ancestry too tight to pay Comprehensive premiums really. ;D ;D

The trouble is the longer I go without having to make a claim the harder it is to part with cash for Comprehensive cover.
[/quote]

You should at least get a quote - my premium goes up if I get a quote for TPFT. Apparantly there are more people of my age/history who have accidents with TPFT than FC so they adjust the premiums accordingly. Thats the same for cars and bikes for me :)

Quote:

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Originally Posted by BMWGraeme

[quote author=Nikki link=1345459128/10#10 date=1345485641][quote author=wesrrw link=1345459128/8#8 date=1345480011][quote author=Nikki link=1345459128/1#1 date=1345459509][quote author=Conehead link=1345459128/0#0 date=1345459128]looks like im gonna finally get back on the road. :) :) :) :D

Just trying to get a feel for insurance as the Comprehensive is double the TPFT and wondered if it was worth it. Stupid question I know but I was not planning on writing her off just yet.

Anyway, just wanted to get a feel for who has what?

---

I only insure my bikes TF&T but I dont usually have a bike which is worth very much so I'm happy to take the risk.

If I had a newer bike I'd certainly consider comprehensive insurance.
[/quote]
You should give it a compare next time Nikki, your bike is in excellent condition :) [/quote]

That's very kind of you :)

Makes me even more careful ;) ;D

I reckon I must have Scottish ancestry too tight to pay Comprehensive premiums really. ;D ;D

The trouble is the longer I go without having to make a claim the harder it is to part with cash for Comprehensive cover.
[/quote]

You should at least get a quote - my premium goes up if I get a quote for TPFT. Apparantly there are more people of my age/history who have accidents with TPFT than FC so they adjust the premiums accordingly. Thats the same for cars and bikes for me :)
[/quote]

Yep always do all the comparisons before renewing. TFPT is a lot cheaper for me than comprehensive.

I've been FC for more years than I care to remember. Worked well for me when I wrote the Bonny off hitting a deer. Worked well for Ghost too when he wrote off the car a few years back and more recently when some clown in a car (claiming he was a biker) knocked him off in Salisbury earlier this year. :)

BB

There's more to consider than just the value of the bike.....

If you were to have an accident, would your daily routine be disrupted if you were suddenly without a bike? Do you rely on the bike as transport? Do you have alternative transport?

I recently had an argument with a 40 tonne truck and I was grateful for my fully comp insurance...

My insurance arranged recovery for me and my bike, they got a hire bike out to me the next day, they handled all the legal stuff for me, got the 3rd party to admit liability, sorted all the repairs to my bike, arranged physio for my damaged knee, and generally handled everything smoothly with minimum effort required from me.

FC is worth considering imo.

Quote:

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Originally Posted by cerruti

There's more to consider than just the value of the bike.....

If you were to have an accident, would your daily routine be disrupted if you were suddenly without a bike? Do you rely on the bike as transport? Do you have alternative transport?

I recently had an argument with a 40 tonne truck and I was grateful for my fully comp insurance...

My insurance arranged recovery for me and my bike, they got a hire bike out to me the next day, they handled all the legal stuff for me, got the 3rd party to admit liability, sorted all the repairs to my bike, arranged physio for my damaged knee, and generally handled everything smoothly with minimum effort required from me.

FC is worth considering imo.

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That's a really good point, my bikes my toy and not essential transport if I relied on it I'd definitely seriously consider comprehensive.

Depends on your personal circumstances but fully comp for me

I have just insured the bike with Ducati for £147 fully comp, not bad for only 2 years of bike riding under my belt, happy days 8-)

I have got multibike fully comp.
Only did this because MCE have given me a nil excess policy for an extra £100, but this also included all the extra stuff that usually costs a fortune. It cost me £75 more but is much better than a combined excess of £875!