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northwind · 21-03-05, 03:15 AM

I reluctantly went FC this year owing to the value of mods on the bike as much as anythign else...

You basically have to do the maths on it... FC costs you 4 ways-

Premiums are higher
Excesses tend to be higher
and to make it worth having, you'll claim for things that you'd just fix normally, which loses you your no claims while also adding on a weighting (since you have to declare any crash on your next application- which naturalyl we all do, oh yes- but you can't avoid it if you'd made a claim.

Since last year FC would have cost me £400 more with £100 more excess, plus any claim would have lost me my 1 year's no claims, and the increase that any claim would have caused, and I'd have had to work incredibly hard to do enough damage to mak it worth it- basically wreck the engine or frame, or roll it and smash everything up...

This year, I can do £600 worth of damage by dropping it on its side, so I'm going FC

21-03-05, 03:15 AM	#7
northwind Moderator Mega Poster Join Date: Jan 2004 Location: In the garage where I belong Posts: 17,083	I reluctantly went FC this year owing to the value of mods on the bike as much as anythign else... You basically have to do the maths on it... FC costs you 4 ways- Premiums are higher Excesses tend to be higher and to make it worth having, you'll claim for things that you'd just fix normally, which loses you your no claims while also adding on a weighting (since you have to declare any crash on your next application- which naturalyl we all do, oh yes- but you can't avoid it if you'd made a claim. Since last year FC would have cost me £400 more with £100 more excess, plus any claim would have lost me my 1 year's no claims, and the increase that any claim would have caused, and I'd have had to work incredibly hard to do enough damage to mak it worth it- basically wreck the engine or frame, or roll it and smash everything up... This year, I can do £600 worth of damage by dropping it on its side, so I'm going FC __________________ "We are the angry mob, we read the papers every day We like what we like, we hate what we hate But we're oh so easily swayed"