level of cover

[c-m]

I've been looking at quotes for a number of models of bike mainly - zzr, zx6r, thundercat, cbr600 etc.. etc.

The CBR and zx6 are:
3rd party - £180
TPFT - £240
Full Comp - £280

Thundercat / zzr600
3rd party - £100
TPFT - £130 £500 excess
Comp - £280 - £500 excess

The excess on the TPFT and comprehensive policies is around £400.

My question is since i'm not looking at spending much more than £1400 is there any point in the more comprehensive policies?

Interestingly an R1 wasn't too much more than the sports 600s (less than a thunderace), not that i have any intention of ever getting one. An FJ1200 would be more like it.
____________________
Motorcycle headlight bulbs and HIDs
Blogging about my bike and trips
https://ridershandbook.com/

[chris-red]

Fully comp all the way mate, it makes any claim so much easier if you have fully comp.
____________________
Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.

[iooi]

I put this in another ins thread....


This is how i would look at it is.

I have enough free money to buy a new bike in the bank.
>3rd party.

I could afford to buy a new bike if i bin it. But live in a iffy area.
>3rd party fire and theft.

I cant afford to buy a new bike at all....
>Fully comp.


For the sake of £40 on the cbr i would go FC, the benifits far outweigh te small cash saving.
You might also want to see if you can get the excess dropped a bit as well.
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Just because my bike was A DIVVY, does not mean i am......

[Him]

[Bendy]

[krebsy]

Get fully comp. I'd still have a ZZR (or a payout for one anyway) if I'dve upgraded from TPF&T.

K.
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What's my New Year's resolution?

1280 x 1024.

[G]

With a bike worth that, I'd only be claiming for damage to the bike if you damaged another vehicle and it's your fault; at which point there's already a claim against you.

Otherwise, I'd say go TPO if it's cheaper.

[Kickstart]

Hi

On the CBR / ZX6 quote I would certainly pay the extra for FC rather than TPFT.

While it may often not be worth claiming for damage you have caused to your vehicle due to the loss of no claims, etc, if the incident involves someone else then if you claim as well you are not losing any extra no claims.

All the best

Keith
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Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing

[G]

[TheDonUK]

If you can afford it go for Fully Comp every time

[c-m]

someone mentioned storage and recovery charges and vehicle hire etc..

I had my old NS125 third party only (would take FT as it was not stored in a garage). When I was hit by a takeway driver my insurance ebike organised everything and with 5 days I had a hire bike.

I had TFPF when my kh125 was stolen and never paid any recovery or storage fees.

I think fully comp would be very nice for piece of mind, just not sure yet. Probably have a better idea when I actually purchase a bike. Theft is my main concern.

On the note of breakdown cover I'm with ADAC anyway.
____________________
Motorcycle headlight bulbs and HIDs
Blogging about my bike and trips
https://ridershandbook.com/

[Mal]

That comp price looks pretty steep for the Cat tbh. I got quoted a similar figure for tpft on my Cat and the fc came in at £210 with a £250 excess. Not overly sure on your age and the area you live in, but try BikeTeam for a quote.

Mal

Getting back to your original question, personally I'd go for comp over tpft everytime if I can afford it.
____________________
Current: 2002 FJR1300, 1999 Thundercat, Previous: 1998 XVS650 Dragstar

"In the end we're all just chalk lines on the concrete - drawn, only to be washed away."

[Kickstart]

[G]

I suspect what they did is sold his case off to a no-win no-fee solictor, who then get it sorted out, claiming costs from the other side.

[Kickstart]

[c-m]

I've only looked at one broker so far. I was thinking that i'd go back to ebike as had my gpz and all my other bikes insured with them, but they wanted £1152 for a ZX6r fully comp, half that for 3rd party only.

I'm 27 in Norwich with a theft claim £400 and no fault claim or £400 with personal injury of £2200. Had my full license since feb, rode on a provisional before that.

Interestingly, i've ridden on the right hand side more than i have on the left. 5200miles on my tour compared to around 4500miles in the UK

I think when I previously claimed I called e-bike who took all my details then someone else actaully dealt with bike hire and my legal cover kicked in for the personal injury etc.. It was all seemless though.

Definately going to look into the Cat, FJ1200 with a little more zest.
____________________
Motorcycle headlight bulbs and HIDs
Blogging about my bike and trips
https://ridershandbook.com/

[chris-red]

I have had 2 smashes in the last year neither of which where my fault, both times I had a hire bike within days of reporting it, this was done through BLD. You only get the hire bike for 3 months though if you case isn't resolved they take it away. I still do not have my Speed Four back the crash was last september no pay out nothing. Hopefully the TDM crash will be quicker to sort, and I will get it back soon but I'm not holdin my breath at least all I need to do is straighten the forks and wheel to get the TDM rideable. The speed four was a little bit more worse for wear.
____________________
Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.

[iooi]