Quick insurense question.

ScottishBiker · Two Stroke Sniffer Joined: 11 Sep 2010 Karma :

Im trying to buy insurense but im not sure what extras are worth the money?
Legal assistance for £20 per year.
Helmet and leathers insurance for £30 per year. (I have textiles will they still be covered?)
Personal accident cover for £20 per year.

Are they worth the money or should i just go for basic TPFT?

Willson · Traffic Copper Joined: 26 Jun 2010 Karma :

Personally dude I wouldn't bother with it.

I got stung by them when I wanted to remove them: You can't.
They tend to be extra products and after the grace period (mine was 14 days) you cannot remove them.

In all fairness though, my gear isn't that expensive, I think Benson_JV on here spent more on his gear than I paid for my bike...
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Benson: Wouldn't life be easier if we were all turtles?
Me: Pig on bread = The way forward.
Riding: '00 Suzuki SV650S. Previous: '99 Kawasaki ER5 - sold, '02 Suzuki GZ125 Marauder - sold

swampy · World Chat Champion Joined: 04 Aug 2004 Karma :

They are essentially a scam mate.

If you have a no fault accident, you should get in contact with a no win no fee solicitor who will gladly claim on your behalf for injuries, loss of earnings, equipment and any other losses you incurred as a result. They will not charge you if they think they will be able to take the claim on.

In fact when I had a big off and broke my arm, my insurance company put me on to the solicitor without even asking me ( and without me buying any additions to my premium). Thumbs Up

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"I hate to advocate drugs, alcohol, violence or insanity to anyone, but they've always worked for me." Hunter S Thompson
"Faster, faster, faster, until the thrill of speed overcomes the fear of death..." Hunter S Thompson

upanddown22 · Nova Slayer Joined: 17 Jun 2010 Karma :

I always get legal cover. There are certain circumstances that it could be very handy. Peace of mind.

swampy · World Chat Champion Joined: 04 Aug 2004 Karma :

iooi · Super Spammer Joined: 14 Jan 2007 Karma :

wringle · Derestricted Danger Joined: 05 Oct 2010 Karma :

Your uncle can add you as a driver on a car he owns. But since you said "my car" I assume it isn't in your uncles name, so no, he can't.

Your parents can, assuming you live at home.
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Insurance reviews

Benson_JV · World Chat Champion Joined: 04 May 2010 Karma :

tahrey · World Chat Champion Joined: 07 Jul 2010 Karma :

I tend to go for LC and PA ... but with my experience of solicitors (and so-called "accident management" companies) over the last EIGHTEEN MONTHS trying to get a simple roundabout prang dealt with, I may go the NWNF 3rd party lawyer route in future. Even if they are ambulance chasers.

Will probably keep the accident cover though. I know it won't cover much, and they'll try every loophole to screw me out of it, but it's cheaper than bupa and directly covers road accident type injury/death.

Helmet/leathers ... CBA... so far the damage that's likely to be done to my helmet is (demonstrably) by me being a clumsy arse, and all my gear (save helmet and gloves) came from ebay for less than what the excess would probably be.