Insurance type

[Acemastr]

Quick question.

What insurance cover do you have?

My renewal is up, from doing some searches on compare sites I can either get:

Fully comp: £560 with £750 excess
TPFT: £200 with £500 excess(really? on TPFT??)

It's fair to say if I chuck the bike i'll do less than £750, or considerably more, there isn't really any inbetween.

What would you choose, and why?</Cilla>
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2017 KTM 350 XC-F - 2014 Yamaha R6 - 2005 Yamaha YZ125
2016 Toyota Tacoma Limited

[P.]

TPFT currently as FC is about £900. TPFT is £162

Fully comp would only be used if I bought a new bike, one worth excessive amounts...

[Matt-]

Third party only, if i had a newer bike i would have fully comp.

Matt
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RIP jack (wheelie king), you will never be forgotten.
Current Bike's - Road Legal TZR 125 Pitbike, Aprilia SR50R 2010

[Joncrete Cungle]

Fully comp on both my bikes. It was cheaper than TPFT and TP only.

[bikertomm]

TPO

Was cheaper than the other two.

Wanted fire and theft but the excess was compulsory £500 and another £500 on the quote, rendering it useless.
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07' Honda Hornet now full powaah! My guide on performing an oil change!

[arry]

The question you have to ask first and foremost is can you afford to lose the value of the bike outright and replace it if something happens. Then after that, work out the benefit of comprehensive cover to you after taking into account increased premium, excess deduction, loss of no claims discount and subsequently increased premiums.

There's a balance between the two and it will be personal to your individual circumstances.

[MarJay]

For that money I'd probably go Fully Comp. I was so glad I had it when I wrecked my Buell.
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British beauty: Triumph Street Triple R; Loony stroker: KR1S; Track fun: GSXR750 L1; Commuter Missile: GSX-S1000F; Cheap project: CBR900RR FireBlade
Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.

[JoeDougieDoug...]

I have TPFT at the moment - Hope to get FC when I renew my insurance in November. The reason being TPFT was £600 with £200 excess, and FC was £1400 (can't remember the excess)... I thought that was stupid!

I'd never go TPO, not where I live anyway (Its not a bad area, but its surrounded by bad areas... sometimes the chav pikey scum seep out into the nicer areas and cause havok...)


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CBT Passed - 22 / 10 / 11 >> Theory Passed - 16 / 02 / 2012 >> Mod 1 Passed - 07 / 03 / 2012 >> Mod 2 Passed - 18 / 05 / 2012.

[Rogerborg]

[.Chris.]

TPO, £4.61 per month
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Chris
1985 Kawasaki Z550F

[Shinigami]

Fully comp, £13 a month, £250 excess.

It is only a lil 125 though
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Current: Honda City Fly CLR125 2003 Honda CB600F Hornet 2008 Yamaha FZ6 S2 + 1991 Kawasaki GPZ500
"Once you realize what a joke everything is, being the Comedian is the only thing that makes sense.

[mcgoogle]

tpft because it was about £100 cheaper than third party
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current bike - CBR600fv

[kernow24]

[covent.gardens]

My bike's worth less than £800 so I just went TPF&F for £100. I upped the excess to max because I knew I wouldn't claim so I've got Third Party Only really, in all but name.

Probably paid £8,000 in car premiums over the years, and not seen a penny back.

[arry]