Your opinion wanted

Kiran · Borekit Bruiser Joined: 06 Jun 2004 Karma :

I need to insure my bike, however I drive which is my main form of transport .. I will only be riding probably 2-3 times a month - should i get comprehensive insurance or stick to third party fire and theft ..

thanks in advance - The bike is a nsr125rr

cliff · Doctor Sicknote Joined: 10 Feb 2004 Karma :

If you've got the money, go fully comp. If your scraping go with TPFT. Thumbs Up

I thinks thats the right way round?
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Sweet reggae music.

Kiran · Borekit Bruiser Joined: 06 Jun 2004 Karma :

lol, its quiet a lot fully comp they want the same as i pay for my BMW M3 .. and third party is almost a third of that Sad

I am in a right dillema

zaknafien · Joined: 25 Mar 2002 Karma :

If the difference in price is that much i'd personally go for TPFT.
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02 Firestorm.

dainesefreak · World Chat Champion Joined: 04 Apr 2003 Karma :

You could always try somewhere like H&R www.insurance2000.co.uk and a few others that let you use your car NCB on the bike or you could give Danny a shout.

Bendy · Mrs Sensible Joined: 10 Jun 2002 Karma :

Go TPFT unless fully comp is cheap enough that it'll make sense to claim, given the excess and the subsequent hike in your premiums.

Depends how much your bike it worth really.

Kiran · Borekit Bruiser Joined: 06 Jun 2004 Karma :

Thanks guys, I tried HR and they quoted me £232.64 for tpft and £200 excess and fully comp im looking at £468 with £150 excess

heres a pic of the bike - what do i do Confused

Danny · Ask Me About Stoppie School Joined: 26 Jan 2003 Karma :

I'd go for TPFT mate. Thumbs Up

Mr Pants! · I Karma Joined: 29 May 2004 Karma :

TPFT

The excess on bike insurance is stupid now! I seem to mostly get £600 excess with fully comp! Plus the £500 difference in quotes.
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Mr Pants! (Alex or Al)
Its better to burn out, than to fade away....

karen_moomin · World Chat Champion Joined: 11 Apr 2004 Karma :

It depends how much the bike is worth. I'm in the same situation as you, my bike is just a hobby and my main form of transport is my car.

Example: I have an NSR125 also which cost me £800. TPO cover was £127, TPFT was £422 and FC was a lot (can't remember exactly!) I'm insured with Carole Nash.

I went for TPO and bought a good lock for it Smile

Sparks! · Sir Tart-a-lot Joined: 30 Aug 2003 Karma :

Kiran · Borekit Bruiser Joined: 06 Jun 2004 Karma :

thanks for your advice .. i think ill go for third party fire and theft .. ill be in my car most of the time Thumbs Up

Mrs Kickstart · Brolly Dolly Joined: 06 Apr 2004 Karma :

Hi,

You should also consider the value of yourself not just the bike. If you are fully comp and get injured you get paid out but not for TPFT. So if you were off work for 6 months it could make quite a difference. Of course you could consider TPFT and buying separate income protection which gives a better range of cover for most things but not all.
It also come down to what commitments you have got, kids mortages loans etc.

Regards

Charlotte

ZZ-Rse · Renault 5 Driver Joined: 20 May 2004 Karma :

Seem to remember a few companies (mainly Carole Nash) doing something they called a 'six-wheel' policy, covered your car and bike. Things like that still around?