Quote:
Originally Posted by dirtydog
FC is almost the same as TPFT For me but then FC is only £82 for me
As for the OP question, lots of valid points for and against helmet/legal cover etc. I always get legal cover now as I had an accident a few years ago and it made it so much easier to pass it over to a company that dealt with it all.
Never really thought about helmet and leather cover as my kit has always been relatively cheap, might look into it at next renewal. Sometimes your kit can be covered by your house insurance, I claimed for a new helmet from house contents insurance before.
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Another consideration is that if it's a third party at fault, I suspect you could claim the damage to protective gear from the third party insurers?