Upgrading Insurance Question.

[Dave70]

Just asking here for any advice, as I don't want to get insuraped.

When I bought my current bike (er6f) I hadn't passed my test at the time and there was only one company willing to insure me. At the time they would only offer me TPO too.

Now that I have passed my tests, I am wanting to insure it fully comp.

What are my best options for doing this?

Will I get penalised in any way, as I would in effect be cancelling my current policy?

I've been on some comparison sites and found a F.C. deal for little more than I paid TPO. So should I cancel my current policy and go with them or would it be worth speaking to my current insurer first in the remote possibility that they'd (don't laugh now) let me pay the extra amount to 'boost' my current TPO policy to FC.

Basically, what are my best options?
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There ain't no devil, there's just god when he's drunk.

2012: R125 killed by white van. 2016 R125 killed by 30,000 miles of redline. Current: 2016 Kawasaki ER6f.

[winz]

I tried to change my policy from TPO to TPFT and my provider said I can't change it like that. Luckily I only had to wait 6 weeks for my policy to end.

Have you been in touch and told them about your pass?

I'd give them a call to see what they say. Although insurance companies are fucking leeches and will suck you dry anyway.
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Current Bikes: BMW K1200S
Previous: Honda CBR929RR, Honda CBR1100XX, Honda CB600F

[Rogerborg]

Counterpoint, I have upgraded a car policy from TPFT to FC, when swapping to a newer car. It didn't cost as much as I'd feared.

Probably worthwhile speaking to your current broker first. You'll need to know how much (if any) you'll get refunded from your current policy (or how much extra you'll get charged...) if you cancel it. Bear in mind that you'll be throwing away some partial NCB.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[techsnap]

[wots]

[Dave70]

[wots]

[Alpineandy]

IMO You should also ask about moving from TPO to TP, F&T. Rather than just going straight to FC unless there's a specific reason.
That's not to say they won't offer you a better 'deal' for FC but don't just ignore TPF&T as an option.
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The above comment isn't necessarily the truth and anyone that says it is, is only correct if it's the truth or they're bigger than me.

[Dave70]

[MCN]

Everything is possible in the Whacky World of Insurance.
They will most probably charge a mid-term-change 30-50+ depending on how brutal they are.

You are supposed to inform the broker/insurer of any changes. What that means is up to them. So you cold call/email and ask.
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[wots]

On a side note, my ER6-F has been almost the cheapest bikes I've insured, that includes a 125.
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Currently: Yamaha DT 125 LC2,Repsol Fireblade, and Bumblebee MSX 125

[Dave70]