Insurance

[chris8886]

Right, have just had my insurance renewal through and they are wanting to charge me more than last year (as ever with the old insurance companies). so have stuck my details into a comparison site as usual and immediately have significantly cheaper quotes. however i have a medical condition, so i know i will have to phone whoever i decide to go with (which may end up changing it all anyway), but i'm more wondering what "extras" people see as very much worth having and which ones people don't usually bother with cos it's just not worth it etc. i always go for TPFT insurance too cos my bike just isn't worth insuring fully comp as it's value is probably only about £1200 max.

[PyroUK]

I usually only go for helmet and leathers and breakdown (if it's cheaper or better than I already have). Most quotes I get have legal incl.

Normally don't bother with personal accident unless it's free.

I always go FC, even if your bike ain't worth much the option to have a hire bike/car can be worth it.

[chris8886]

Originally Posted by PyroUK

I usually only go for helmet and leathers and breakdown (if it's cheaper or better than I already have). Most quotes I get have legal incl.

Normally don't bother with personal accident unless it's free.

I always go FC, even if your bike ain't worth much the option to have a hire bike/car can be worth it.

lovely, thanks pyro. have to say that I'd never ever thought about/considered the getting a hire bike out of the insurance if I were to have a crash. having never had a crash on the road, it's just something that hasn't ever crossed my mind! that's given me some real food for thought, I shall now go back and re-consider my options and see what sort of prices I get for fully comp.

[PyroUK]

No worries, it never occurred to me until I needed it!

Worth checking what hire policy type they offer though. From memory there are 2 types and one is better than the other as it can shaft your claim spend a lot! Oh and also whether or not they will provide one for an at fault or solo incident claim!

[chris8886]

Originally Posted by PyroUK

No worries, it never occurred to me until I needed it!

Worth checking what hire policy type they offer though. From memory there are 2 types and one is better than the other as it can shaft your claim spend a lot! Oh and also whether or not they will provide one for an at fault or solo incident claim!

righto, that's excellent info to be starting with, thanks once again pyro, much appreciated!

[Littlepeahead]

Don't bother with helmet and leathers cover unless you have really expensive new kit bought full price with all the receipts. Without all that you won't get much and if an accident isn't your fault you can claim for that off the other party.

Only get breakdown if you aren't covered on your family one, check with your mum.

Do get legal cover. Having someone to do all that in the event of an accident is vital even though when Stu had his off it was me took photos of the road markings, created a presentation showing how Stu couldn't have been at fault and managed to get a witness statement disregarded on minor points that showed he wasn't a credible witness even though he was police.

Have you tried any of those specialist insurance brokers I told you about for people with heart conditions?

[chris8886]

Originally Posted by Littlepeahead

Don't bother with helmet and leathers cover unless you have really expensive new kit bought full price with all the receipts. Without all that you won't get much and if an accident isn't your fault you can claim for that off the other party.

Only get breakdown if you aren't covered on your family one, check with your mum.

Do get legal cover. Having someone to do all that in the event of an accident is vital even though when Stu had his off it was me took photos of the road markings, created a presentation showing how Stu couldn't have been at fault and managed to get a witness statement disregarded on minor points that showed he wasn't a credible witness even though he was police.

Have you tried any of those specialist insurance brokers I told you about for people with heart conditions?

I know already that I'm not in with the breakdown cover so I shall be looking for that to be involved anyway, thanks. am always looking for the legal cover bits n pieces too.

I'm afraid I don't remember you telling me about those, would you mind telling me again please?

[DJ123]

Also, TPFT can go against you (to an extent) as they can determine it as you think you are a liable to make a claim . . . .
Generally I find TPFT & FC very close on pricing.
-don't make your excess silly high. If you make your voluntary £100, it will only reduce your policy by £5. Not worth the extra hassle & expense.
-I don't go for helmet or leather cover, not worth it.
-Riding other bikes 3rd party, if it is an extra or will knock money off not having it.
-Get recovery added on there (generally cheaper than getting a different company)
-Add legal
-Don't worry about a hire bike (if you are unfortunate to have an accident you'll get one)
-NCB protection

[Littlepeahead]

I'll have a look tomorrow, it was one of the heart charities.

Don't bother with Helmet and Leathers if you have really expensive kit, unless the max value covers it - the last couple of policies I've looked at had a limit of £750, which wouldn't cover my boots, gloves and helmet together, and prices have only gone up since then.