fully comp or tpft

[Mark65]

Fully comp 178.15 with 100 excess only drops to 171 with 200 excess or
tpft 99 with 200 excess
this will be on a 2007 cg
Which is the best option?

Mark

[Thom]

TPFT

It'll prove cheaper to replace the whole bike than claim anything on fully comp

Really, that excess there is about 65% of your actual insurance for fully comp
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Current Bike: 1996 Yamaha TRX850 (The Japanese-Ducati One).
Previous Bikes: 1990 Honda NSR125 'Rothmans' (The smoking one), 1990 Suzuki GS500e 'Caf? fighter' (The loud one), 1987 Kawasaki GPX400r (The quick one), 1997 XJ600s Diversion (The reliable one), 2000 Kawasaki ER-5 (The spontaneously combustive one)

[Mark65]

[Pete.]

If you can afford fully comp, it's always better to go that route.

If you go TFPT, make sure you take uninsured loss recovery insurance out for the extra #15-20, because if you get hit by someone who decides they aren't going to fill in a claim form you then have to take them to court yourself. Your insurance company wouldn't be interested.
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[Mark65]

[cicatrez]

[Drew]

[Mark65]

[Ste]

How much is TPO?

[Mark65]

[Ste]

There is no excess on a TPO policy.

You pay the excess if you're claiming from the insurance yourself, if someone else claims from your insurance then there isn't any excess to pay.

[Mark65]

[Mark65]

[cicatrez]

[Drew]

[krebsy]

Fully comp is the way to go. Wish I'd had it on the ZZR rather than TPF&T. As I would've bought a new bike out of the insurance money, not out of my own pocket after I turned it from ZZR to Dead-Z-R.

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

1280 x 1024.

[Kickstart]

[loply]

Bear in mind with fully comp if you write off your bike or make a serious claim:

1) Your insurance now goes up substantially for the next 2/3 years probably costing £400 - £1200 depending on what bike you ride?

2) You pay excess charges and wait many months for your money

3) If it's a write-off you need to buy new insurance there-and-then

So you could pay (say) £300 excess plus your premium leaps up to £400 because you have lost NCB so you need a new policy @ £400 and then it's £200 and £100 more for the next two years...

So your claim cost you £300 + £400 + £200 + £100 = £1,000. Plus the extra amounts you have paid for fully comp over all those years.

In other words it's very marginal.

And it took 6 months to sort.
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Yamaha SZR660 Caution to the wind, the throttle pinned!

[Ste]

The best answer is to not write off your bike.

I'd go with TPO on a CG125.

That stuff about postcode insurance groups; I wouldn't pay to much attention to it. It's a guide and nothing more, different insurance companies use different groupings and have different rules. Don't buy anything based on the postcode ratings, get actual quotes and go from there.