What's the difference?

Adam.I · World Chat Champion Joined: 22 Jun 2004 Karma :

Can someone tell me what's the difference between 'Comprhensive, Third party fire and theft and Third party only', and, what am I best of getting with a 125cc?

NSR125-Kid-UK · Attention Whore Joined: 03 May 2003 Karma :

"Comprehensive" Covers damage to your vehicle and other vehicles. Your vehicle is covered in the event of fire, theft, or accidental damage.

Third Party, Fire and Theft covers other road users, as well as providing a degree of protection to you against the theft of your bike, and/or it being destroyed by fire.

Third party only, only covers damage caused to other vehicles through a mistake you may have made on the road.

Unless your 125 is expensive, go for third party fire and theft.
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https://www.bikepics.com/members/nsrandy/96rs250/ My Bike!

"I'm either going to teach andy to get his knee down, or I'm going to get him killed. One of the two" - Teaman

Adam.I · World Chat Champion Joined: 22 Jun 2004 Karma :

Could you give an example of each one please NSR125-Kid-UK, what happen if i was to crash etc.

NSR125-Kid-UK · Attention Whore Joined: 03 May 2003 Karma :

If you are to crash, damaging only your own vehicle and you are comprehensively covered, you will usually be able to submit a claim for a payout by your insurers. If you crash damaging only your own vehicle while not comprehensively covered, you will usually not be able to make a claim.

If you crash into another vehicle and you are covered Third Party Only, you will not be able to make a claim, and if the accident was found to be your fault, the other party - the other vehicle will be able to make a claim on your insurance.

Fire And Theft merely means that if your bike is stolen and/or set fire to, you will be able to claim from the insurance company.
____________________
https://www.bikepics.com/members/nsrandy/96rs250/ My Bike!

"I'm either going to teach andy to get his knee down, or I'm going to get him killed. One of the two" - Teaman

Adam.I · World Chat Champion Joined: 22 Jun 2004 Karma :

Ah, well, that's cleared that up. Thanks. Are you Third Part Fire and Theft? Also, is that your bike as your avatar? How old are you, an how long you been driving?