does anyone have just third party cover on their bikes?

[gimpy limp]

i'm not sure wether to go for third party as its always locked up in a safe garage with an immobiliser, chain, alarm and disc lock. you'd need 12 guys with arms like popeye to lift the fat heffor into a van. I wont be leaving it out of site in non public places and its worth about 200 quid!! if i had tpft and it was stolen i wouldnt claim even then because insurance would go up. The bikes worth naff all really I can pick up a nice one for 400/500 quid readily on ebay or through the club.

1980 cx500 zero ncb:

- third party is £116.11
- tpft is £175.40
- fully comp is £506.25

really good online quote from here :
https://www.bennetts.co.uk/#

anyone else have third party? is it a bad idea doing it on that cover?
____________________
-=[Sam/b]=- cx500's the only way to travel, we do it in style just like jimmy saville
msn addy - [email protected]
https://pre-auto.com/cx500/rat_and_survival_gallery_2006

[pipnet11]

If its not worth that much then fine. My 125 was third party only as TPFT was £450 and the bike was only worth £400 so it was pointless. Now im TPFT but may go fully comp if I can find it cheap enough next time I renew.
____________________
I love the girls that do, I hate the girls that dont, I hate the girls who say they will and then they say they wont, but the girl I like most of all and I think youll say Im right, is the girl who says she never has but looks as though she might. - Max Bygraves

[Davo]

It really depends if you can afford to replace the bike if it catches fire or get stolen. I would only use TPO on a bike that cost less than £500 or possibly if it was the fire & theft excess plus the premium exceeded the replacement cost of the bike.

[gimpy limp]

125's more readily grow legs and go walkies aswell dont they I suppose, lift a 125 with 2 (maybe 3) people into a van and can be used offroad. My bike is rediculously top heavy no chance of someone getting that into a van.
____________________
-=[Sam/b]=- cx500's the only way to travel, we do it in style just like jimmy saville
msn addy - [email protected]
https://pre-auto.com/cx500/rat_and_survival_gallery_2006

[Davo]

[Marcg868]

Go fully comp, my brand new cbr 125 was insured tpft only, i now havea 500 pound bill or something similar to pay becuase local plod wont pay out. And i cant claim on the insurance, fully comp is worth it whatever the bike i reckon. Unless is a shed thats already fooked.
____________________
JACK, MISS YOU LOADS YOU LEGEND.

[gimpy limp]

Not with a chain and disc lock to immobilse the wheels I wouldn't imagine, a ramp would do them no good. It's about 30% more top heavy than the average 500 road bike.
____________________
-=[Sam/b]=- cx500's the only way to travel, we do it in style just like jimmy saville
msn addy - [email protected]
https://pre-auto.com/cx500/rat_and_survival_gallery_2006

[Black Knight]

Stick with TPO mate, its not worth the extra £££ and hassle of making a claim, then declaring that claim for FIVE years!

I think its Kickstart that keeps his bikes on tpo policies too.

[owdamer]

[muddycoffee]

I think you should consider what it costs to get another similar condition bike of the same type, maybe from ebay.
If you can get one for less than the price of your insurance after a claim for a replacement bike. Then don't bother with theft, as it's not worth it.

Also remember that sometimes they don't give you very much for your old bike when they pay out.
____________________
Suzuki SV650 naked Blue curvy with Givi Screen and G force can.

[Robby]

TPO.

As you said yourself, it isn't economically viable to make a claim.

If it gets nicked you buy another one for a similar amount and pay your insurance company a £25 admin fee to transfer the policy.

[Mr.Everready]

[ISLAND GIRL]

As a new rider and only a yr old bike I have gone fully comp and was pleasantly surprised now reasonable my insurance was. I queried if it would be best to have it in my hubbys name as he has full licence and been riding for approx 8 yrs now but they said no. So I got it in my name with him on it just incase mine is out and he needs to nip out and its under £180 for the year! And that includes replacement bike if my is damaged, breakdown cover and up to £100k to cover legal costs etc. Think we get a better deal down here on the Island anyway as theft etc is not considered as bad as it is on the mainland, dont get me wrong it does happen.

[G]

[zephyrgirl]

I've got the XJR on fully comp, but the Zephyr is third party only.

I only take the Zeph out every 2 or 3 weeks to keep her roadworthy and to have a bit of fun. I initially got the 3rd party only insurance to go to a Zephyr meet just after I bought the XJR and have carried it on.

I use e-bike insurance and pay £10 a month, with 0 ncd. (£3 of this is admin charge!)

I can stop the insurance at any time. It's monthly pay as you go.

The Zeph is chained up in the garage and I just hope that she doesn't get nicked or flamed.

I put her value at £800 for insurance (but to me she is closer to £1000)

For a cheap bike or 2nd bike I'm happy to go 3rd party only.
____________________
Fly away on my Zephyr?
I bloody wish.

[yorkshirelad3]

im TPO, a risk i know, but its all i can afford

[Kickstart]

Hi

I think with those premiums I might be tempted to go tpo. Surprised that the difference is that large though (I have heard of plenty of people getting quoted more for TPO than for TPFT).

The Bandit is fully comp, the FZR is tpft and the rest are on a classic policy so are fully comp.

Bike fully comp policies rarely cover personal injury to the insured which is commonly included in car policies.

[iCraig]

Usually for me TPFT is cheaper!

I currently have TPFT on my current bike @ £180, TPO was something like £210.

[gimpy limp]

[stinkwheel]

[Tim_H]

i'm TPO, couldn't see the point in TPF&T, as in the event of a claim, the excess would take nearly all the value of the bike, and i'd have to decalre the claim for the next 200 years or so!

If the bike (or car) is worth more than you could afford to spend replacing it, or mending it, go TPF&T or FC.

horses for courses really.

do whatever suits your circumstances.

[Rookie]

Location, location, location.

I live in a very low risk area, when I was getting my car insured it was something like £248 TPO and £255 TPFT. I thought 'why not', as it's only a few quid, but I probably wouldn't ever use it anyway, I wouldn't want to lose the NC.

[G]

Cars are much more often only slightly more in my experience.

Insurance for the van with Norwich Union who only do TPFT or FC was about £100 less than the next lowest TPO quote!

[culpan]

I have TPFT on my DT 125 because I am worried about it being nicked the bit I don't get is the fire bit because I don't see it bursting into flames while I'm riding it tbh.

[Tim_H]

true....

they may as well call it tpet, (third party earthquake and theft)