Fully Comp or tpft

[Marcg868]

Bike one Suzuki GSR 600 and other bike Honda CBF 125 both worth £2000 each. Been quoted £308 fully comp but a 950 quid excess with mce or £500 comp and £200 excess.

The tpft quote is £250 and £200 excess.

Use the GSR 600 from April to November for weekend blasts and sunny commutes the CBF I have just bought for winter and most likely use it to commute and save the GSR for fun.
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JACK, MISS YOU LOADS YOU LEGEND.

[G]

Fully comp would only be useful if you were in an at-fault accident where another party was claiming.
It may then mean you get a bit of cash back, including recovery fees etc.

[mic]

id go fully comp, worse comes to worse the cost of bike would be 2nd priority. just dont crash
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zzr600

[Marcg868]

Yeah was thinking as I commute all year round minus snow days that comps the way to go. Just the excess frightened me because £950 is offensive. I can pay more on the premium for a smaller excess. Also breakdown with my insurance or seperate?
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JACK, MISS YOU LOADS YOU LEGEND.

[Hetzer]

Again, a perfect example of why the insurance industry needs to be nationalised. Obscene excesses AND being raped on subsequent zero/reduced-NCB premiums? At what point does it add up to fraud? Basically you end up with no payout in the long term, they've had your premiums and they also claw back everything they've paid you out eventually.
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"There's the horizon! Ride hard, ride fast and cut down all who stand in your way!"

[Boris the spider]

Is that on a double bike policy ?

I have mines on 2 separates.

Both full comp
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Yes I'm a pig....And yes... The working public do pay my wages. Tho I contribute to your benefits you lazy c##t. You do not pay my wages. So go fcuk yourself.

[wots]

I just took out an MCE policy for my fireblade, not my first choice of insurer. Weirdly it was cheaper TPFT with an £1100 excess, bike isn't worth anymore than that, but wait, it comes with a free excess protect. If I claim, they pay my excess, T&C's appear to stack up. Though unlikely I'd claim anyway. SP30 nearly 3 years ago, fault accident in car, 1YR NCB on bike and 5 months full licence because I went for full in June after being restricted since October 2012. Exhaust declared, stored in car park, no security declared. £350.
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Currently: Yamaha DT 125 LC2,Repsol Fireblade, and Bumblebee MSX 125

[-Matt-]

Id go tpft at those prices, recover at best a grand if you went FC perhaps after excesses and/or additional cost vs tpft, and thats only if you are deemed to blame. Have you tryed a multibike quote with bikesure and wickedquotes?

[Marcg868]

Yeah multibike. 5 years ncb and a SP30 from last year 27 year old in Bolton.
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JACK, MISS YOU LOADS YOU LEGEND.

[Rogerborg]

First, be sure that your estimates of value are realistic. They're not worth what you paid for them, they're worth the lowest price that an insuramonkey can find an equivalent bike going for, and they won't be fussy about mileage or condition.

£2000 is right on the cusp of where it wouldn't be worth claiming with an obscene £950 excess, especially now that you have some NCD to lose. Remember, that excess will apply to theft claims as well as at-fault damage: you'd actually be better off with TPFT and £200 excess if a bike gets nicked.

At £2000, I think I'd be minded to go with that TPFT cover and invest the savings on chains and crash protection.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[clancy]

I'd go tpft as your bikes aren't worth much money so the massive extra on insurance doesn't really work out as any benefit to you
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KLX 300r

[G]

[Marcg868]

[-Matt-]

I only just recently [upon being able to afford it finally] realised as with what a lot of the comments on here have explained how useless FC often is.

The other thing to be honest

[69chris]

f/c is always cheaper than tptf for me, both cars an bikes.........must be an age thing

[Marcg868]