Third Party Only Advice

[Andy J]

Hey Guys,

I'm going to be getting a Yamaha r125, and my best quote for TPFT is £1200, and TPO is only £380. (Have a pretty tight budget)

I have a ground anchor in my garage, Almax series 3 + Squire lock, and alarmed disc lock.

If I go out and about, I'll always make sure the wheel is chained to something and I have the disc lock. If you were in my position, what would you do?

EDIT: The bike is second hand, gonna be worth around 2.5k max ( You won't find many much cheaper tbh.)

[Mord]

[chris-red]

How much is the excess with that?

Say its a brand new R125 what about £3k?

Option one you pay £380 it doesn't get nicked you loose nothing it does you loose £3k

Option two you pay £1200 you are £820 worst off

It does get nicked you loose £3k + £820 they value you bike lower (because they do) at 2.5k, you have a £500 excess so you only get £2k

Lost £3,820 gained £2k

Total Loss £1820 TPFT
Total Loss £3000 TPO


Therefore even if you bike does get nicked you are only £1180 better off.

Not worth it IMO.
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[Codemonkey]

If its a brand new one (£4K), just bear in mind that if you drop it or crash it as many owners seem to (check the r125 forums for many stories!), you're looking at literally hundreds to repair it even for fairly minor drop. TPO won't cover you for anything if its your fault, and if you're buying on finance, you'll end up paying finance on a bike you can no longer afford to repair.

If its used and you're paying £2Kish, fair enough.

[Rogerborg]

[kestrel]

[Polarbear]

[ZaphodBeeble]

[the95th]