TPFT vs Fully Comp

[BadDog]

Just wondered how many of you have had to make a claim and lost out because you weren't insured comprehensively. On the other hand, how many have made a claim on their Fully comp policy which would have been covered by TPFT?

[craigs23]

My NC30 was rear ended last November. I was stationary at a roundabout junction on a clear day, on a straight road, with a loud can, with my rear brake light and indicator on, 2 up. At the time I was covered with TPFT bike insured for £1500. I received £1960 for the NC30 being written off by the impact, no loss of my claims and a hire bike for 6 weeks before the money cleared in my account.

Top quality service for my one and only claim in 6 years of riding.

[TheShaggyDA]

I had a claim on FC which wouldn't have been covered by 3PF&T, but you don't have an option for that. It's been my only claim, ever.
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[feef]

my accident was my fault, and I was on TPF&T

wasn't a waste, cos the bike was so cheap, that it would have cost more to insure fully comp than it would have cost to replace it.

as a rule of thumb, I tend to work it out that if the cost of fully comp over 3 years is getting close to the value of the bike as I bought it, it's not worth it.

a
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[Kickstart]

Hi

Only claimed once and that was tpft. Took 6 months but got everything through with a reasonable settlement.

I am fully comp on the Bandit, but that is because as you get older and with more no claims the difference becomes far smaller. Even if an incident happens where I could claim I am not that likely to unless I have to or the claim would return a fair amount more than I would loose in higher premiums over the next half a decade.

All the best

Keith
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[Misc]

I had tpo & had a accident i won the case & got £500 from his insurance so it's a claim but doesn't put anything on the cost as his insurance paid

If my insurance paid it would be very very high, But as i only had tpo..

[Kickstart]

[Rookie]

Losing no claims is all people think about these days. More Than for example protect it for life, as do Direct Line?.

And NFU (National Farmers Union ) who I and my mother are with, are always superb. My brother got hit by an uninsured driver, he was in my mums name, they paid up and whacked 4 years no claims straight back on anyway. (She had 4 before the accident.)

[Chuff]

a lot dpends on value of bike, and cost to repair after a small off

I know a lot of pople who have not claimed off there own policy ( there fault accident ) even though they were FC becuase of excess etc.

I am FC, but if i do come off mine then there is a real chance it will cost over £1k to re-panel and if i do claim it will be to get my money back to buy a car or so her indoors tells me
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[G]

[Kickstart]

[Nolongerhere]

Re you prepared to claim on ur ins if u bin ur own bike?????? Do you have full 5 years no claims so you can have protected no claims!!! If you are/do get fully comp if ur not save the money and get 3rd party fire and theft!!!

[stinkwheel]

I am going for rock-bottom, TPO insurance from now on. The hassle involved in getting money out of an insurance company, even for a clear-cut claim is not worth the headache. They also try to screw you over at every turn.

For this reason I am only keeping bikes I can stand to loose. Like my MZ that was written off eventually. I could have bodged the bloody thing up myself for £2-300 and been back on the road on it within a week rather than getting a headache to-ing and fro-ing for four months with an insurance company. It has cost me a lot more than that insuring the thing comp for the last three years.
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[muddycoffee]

Stinkwheel,
that's a very sensible attitude to insurance. In the past I have had a few bikes worth only a couple of hundred quid, and I used to insure them TPO, because it was cheaper to get another bike than pay the insurance premium from behind after claiming.

Although I think it's worth pricing up the price of replacement plastic on a faired bike before making that decision.
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[stinkwheel]

[G]

[Bendy]

[delboy]

Depends on how much your bikes worth & how much the premium is, i am fully comp thank god, i had to swerve for a idiot running too wide on a corner, in the rain, then over a bloody manhole cover. BANG! still waiting for pay out. Helmet, leathers the lot Asshole didn't stopped by the way.

So if i was only TPFT i would be screwed. Tuff call if your paying a lot for FC though

[Ste]

No you wouldn't, if the accident was the caused by an untraceable driver then that's dealt with by the MIB.