Was the phone monkey correct?

[Wonko The Sane]

Sorted bike insurance today, was looking at third party fire & theft which came with a £250 excess

Wanted to clarify if the excess was just for a claim in the event of a theft or fire to which the phone monkey said:

"The excess is for any claim you make on the policy, if you had an accident we'd be looking to recoup the first £250 of any claim on the policy"

which to me contradicts itself as he's said a claim I make and then any claim.

I went 3rd party in the end, just wondering if I've understood things correctly as I presumed the third party liability indemnified me (there is no excess on the 3rd party only despite it being same underwriter) and that the excess was on the first part of a claim I made.

Any ideas?
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[Ste]

Excess is payable if you're claiming from your own tpft or fully comp insurance.

You don't pay the excess if a third party claims from your insurance.

[Rogerborg]

[Wonko The Sane]

thats what I thought, but he made it sound like, if I nudged a car from behind and broke the bumper (go with me on this) with no damage to myself the driver understandably wants his bumper fixing and claims on my insurance that the insurance company would then bill me for £250 excess on that claim.

nothing else claimed except the chap's bumper.
____________________
Looking to pass your CBT / Bike tests in Bury Lancashire? try www.focusridertraining.co.uk Would recommend.
They're also on Facebook https://www.facebook.com/pages/Focus-Rider-Training/196832923734251

[Rogerborg]

He probably fell asleep for the last half of his 10 minutes of training.
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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

[Ariel Badger]

Did you ask for a fully comp quote? It is very often a lot cheaper!
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Bikers make great organ donors, get 115 on your licence today.