Quick Insurance Q

[rac3r]

Can you get no claims bonus with TPO or TPFT?

Help much appreciated!
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Bikes : 2006 CBR125R - 2004 Monster 620ie - 2004 ZX-6R B1H - 2005 Monster S2R 800 - 2011 Street Triple - 2009 Streetfighter 1098 - 2014 ZX-6R 636

[Itchy]

Yes you can.
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Spain 2008France 2007Big one 2009 We all die. The goal isn't to live forever, the goal is to create something that will. In the end, your life will flash before your eyes. Make sure it is worth watching.

[Yarri]

Carole Nash accepts bike NCB for insuring cars as well
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Theory Passed: 23/10/2008 49/74 Bike Test Passed: 05/01/2009 1 minor
Theory Car Passed: 22/07/2009 48/74 Car Test Passed: 22/10/2009 2 minor
Few minutes of life of the biker could be more interesting then the whole lifes of many people

[Steve-D]

Bit of a hijack but its an insurance thread.

Say I have 1 years NCB, can I use that 1 years on just one policy or as many as I want?
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www.southwestbikers.com
Tristan The said 'Dunno what my pace will be like, fastish slow puncture on the rear and if I go too fast I risk my 'keys' falling out'

[G]

[Steve-D]

Cheers
When I get more.
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www.southwestbikers.com
Tristan The said 'Dunno what my pace will be like, fastish slow puncture on the rear and if I go too fast I risk my 'keys' falling out'

[ms51ves3]

[G]

[ms51ves3]

[Pedd]

well I have 10 year ncb on the car and when I insured the bike I had 1 year ncb on that but they gave me an extra 3 years ncb on the bike because I had a high car ncb

I went in with 1 ncb for bike and at the end of the years insurance if I havnt had a claim I will walk away with 1+3+1 = 5 years ncb

[G]

[rac3r]

Thanks guys. I was looking at quotes for my next bike (maybe 04 SV or Hornet) and TPFT came to £1200 so I thought I mite do a year on TPO which was about £470 but I still wanted to be able to get a No Claims bonus
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Bikes : 2006 CBR125R - 2004 Monster 620ie - 2004 ZX-6R B1H - 2005 Monster S2R 800 - 2011 Street Triple - 2009 Streetfighter 1098 - 2014 ZX-6R 636

[Pedd]

[G]

Remember that making a claim costs a lot more than the difference between TPO and TPFT/FC.
They may cancel your policy with no refund, you lose NCB, have to pay higher insurance even if you have other NCB for the next five years on all insurances you get. Then there's the excess and the fact they may refuse to give you near what it would cost to replace it.

It's a gamble and at £730 just for the up-front payment, I'd say the odds are very poor in this case. Spend some of that money on decent security and you'll probably be better off whatever happens.

[rac3r]

I never usually leave my bike anywhere because its used for commuting so its either in the uni car park (with security), at home in the garage or in my dads factory. So what do you think TPO or TPFT? Is it worth the extra for TPFT?
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Bikes : 2006 CBR125R - 2004 Monster 620ie - 2004 ZX-6R B1H - 2005 Monster S2R 800 - 2011 Street Triple - 2009 Streetfighter 1098 - 2014 ZX-6R 636

[G]

Do your sums, but for me I'd probably go for a cheaper bike for a start as the new models don't really offer that much.
Even with a newer model, wouldn't be going for TPFT personally. Make sure you do lock it up well and consider where there's working CCTV.
If you're youngish, then I suspect you may actually end up being more out of pocket claiming for a stolen bike, than having a bike stolen on TPO and not having claimed.

[m0l0t0v]

TPO.

I went TPO on the Hornet 6 at 18.

Currently TPO on the NC30. And I'm 20. I can get fully comp for 400 on the NC, but I don't see the point in claiming even if it was my fault. (TPO is like 260 or so)

Loss of all NCB (3), claim against me for next 5 years, and only so much after excess? Nah thanks.

Could fix the bike up yourself cheaper.

Oh and Hornet is better than the SV

As long as you're sensible with the securing your bike you should be fine.

You have any security?
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'99 Hornet 600 , VFR 400 NC30 '92 , Kasawamasaki GT 550 , '98 Hornet 600
**\Tarmacsurfer/** said: It's that immaculately manly coiffure of yours isn't it. One glimpse of your virile locks and the punters can't wait to buy whatever it is you suggest, as it might let them be just a little bit like the Adonis that is our very own Molly Doovydoo said: Its not my fault I can't get it up properly, I just wasn't blessed

[frez]

£730 would more than cover a bike alarm and a decent lock.

[rac3r]

Thanks for the help

At the moment I have no security apart from the steering lock But i've come into some money so that should be sorted soon.

As for Hornet or SV I will have to see them both close up, i've only seen the Hornet close up so far.
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Bikes : 2006 CBR125R - 2004 Monster 620ie - 2004 ZX-6R B1H - 2005 Monster S2R 800 - 2011 Street Triple - 2009 Streetfighter 1098 - 2014 ZX-6R 636

[Polarbear]

What did they quote fully comp then?

I ask, because I had TPFT on a Saab 3 litre because I thought it wasn't worth getting fully comp but just chatting with the bloke at Carole Nash when my bike insurance was due, and he got me fully comp cheaper than the TPFT I was paying.

But I am an old fart
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Triumph Trophy Launch Edition

[m0l0t0v]

Fully comp can sometimes be cheaper (only tends to happen when you are older I've found) but it's still not worth it at my age (I'm guessing roughly his?)

And Hornet is better than the SV. '03 onwards looks nicer but carbs are better. For backfires yo'
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'99 Hornet 600 , VFR 400 NC30 '92 , Kasawamasaki GT 550 , '98 Hornet 600
**\Tarmacsurfer/** said: It's that immaculately manly coiffure of yours isn't it. One glimpse of your virile locks and the punters can't wait to buy whatever it is you suggest, as it might let them be just a little bit like the Adonis that is our very own Molly Doovydoo said: Its not my fault I can't get it up properly, I just wasn't blessed

[T0MMY]

Get a test ride as they will feel TOTALLY different to ride. I'd go for the hornet myself though
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ZX6R + CBR600RR

[arry]

[rac3r]

I am 18, 19 in June and live in London. So many people are saying Hornet instead of the SV so maybe it's saying something .

I do like the Hornet 03 onwards with the sharper tail but I would definitely have to change the headlight because I hate the round ones for some reason. m0l0t0v hurry up and fit the new headlight so I can see what it looks like!
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Bikes : 2006 CBR125R - 2004 Monster 620ie - 2004 ZX-6R B1H - 2005 Monster S2R 800 - 2011 Street Triple - 2009 Streetfighter 1098 - 2014 ZX-6R 636

[m0l0t0v]