Advice on insurance level required

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Just went through a quote for the missus's scooter.
What a nightmare!

Now insurance quote was for TPF&T, which was ok.
Then added on legal cover including bike etc., which was nice.
Then could add on another amount so I'd get back the no claims policy excess.
That's the no claims policy excess back, all £500, with a fault or no fault accident.
The guy was insistent it did cover a fault accident as I was slightly incredulous.

I'm asking myself is this worth it? does it work? anyone any experience of this?

I won't ask you to confirm if I've been ripped off, it's insurance, I already know the answer

Obviously I'll be scanning the policy document when it arrives through the post (strikes allowing) very, very carefully.


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...and the whirlwind is in the thorn trees, it's hard for thee to kick against the pricks...
Gibbs, what did Duckie look like when he was younger?

[t121anf]

are you referring to protected NCB?

what happens i believe is you make a claim which you must declare for x years (normally 5) however your NCB isn't affected until you have claimed more than x times (normally 3).

so if this year you have 1 yrs NCB, and make a claim, next year you would have 2yrs NCB but would need to tell the insurance company about that claim.

your policy price will still be affected, but shouldn't be as affected than if you had a claim to declare and no NCB.

does this help?

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[iooi]

Stuff the legal cover, odds on you have it with your house ins....
Even if you don't then there are plenty of no win no fee to assist you when its not your fault.

Protected NCB is a joke. Most companies it is onl if you stay with them anyway.....
Take a look at your renewal quotes and work out how often you stay with the same co....

As to the other bit....

If its not your fault then you get your excess back from the 3rd party. Thats part of the legal claim....

As you are TPF&T, Then it will only come into play with theft or fire. But if you reduce your excess down to the min poss. Does the price go up by more then the policy price ?

Personally tell em to shove it.
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Just because my bike was A DIVVY, does not mean i am......

[theopj]

I was offered this the other week when I phoned Swinton - it seems like its an insurance policy to pay your excess (it was a £500 AXA Excess as well). I think when he added it on it made the policy go up £55.... although he then dropped the amount by £25 to try and get a sale. He said it was something Swinton was doing as the high excesses were putting people off.

I didn't end up going with them in the end although they were competitive, so don't have any of the T&C's - and I guess there will be ways they can avoid paying it.

You can get legal cover free if you do a quote with "the bike insurer".
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Suzuki Bandit SA 1250 & Honda CB750F2T

[Noxious89123]

Legal protection is a load of balls tbh, your better off using a "No win, no fee" solicitor.

There's a member of the forum that works for https://compenclaim.co.uk/ (Username CompenClaim i think) He's someone that I have known of for some time, and he seem's a pretty alright guy, and knows his stuff
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'06 Honda CBR125RW-6 ~ '00 Honda CBR600F-Y ~ '07 Honda CBR600RR-7 ~ Bikeless
'53 Ford Ka 1.3 ~ '03 Vauxhall Astra SRi 1.8 ~ '52 Vauxhall Astra SRi 2.2 ~ '53 Vauxhall Astra GSi