Fully Comp or 3rd Party F&T? - SV650.org

Mej · 29-12-09, 01:17 PM

Fully Comp about 380 on a bike worth about 2.5k

3rd party f&t about £180.

????

29-12-09, 01:19 PM

I have TPFT. My dad always had it aswell for years until he started making regular trips abroad. If you can afford fully comp, do it, but TPFT will cover most things that are likely to happen

Mr Speirs · 29-12-09, 01:49 PM

Fully Comp Always.

Remember if you are not insured for the initial cause of the accident you aren't covered for incurring costs afterwards i.e. Police Recovery, Fire and Ambulance Charges.

fizzwheel · 29-12-09, 01:56 PM

depends

If the bikes on finance and you havent paid it off, then take the fully comp, last thing you want is to be repaying finance on a bike that's been written off.

Third party is all very well till you have a single vehicle accident i.e. you fall off and the only person you can blame is yourself if you can afford to fund repairs / replace the bike without relying on insurance then fine. Personally I cant.

I had the SV on TPFT as it was only worth about £800 and in most cases it would just have been written off, the GSXR is on Comprehensive and it'll stay that way till its market value is practically nill.

In your shoes if I could afford it I'd pay for Comprehensive, at the end of the day its all about how much risk you are prepared to accept.

Mej · 29-12-09, 02:05 PM

fully comped in now, paying over 4 months so its not too bad. but it was 480 in the end after i put my speeding fines and that on. least im insured to ride again!!!

Wideboy · 29-12-09, 09:53 PM

TPFT for me, most of the bike is ermm...... spezial

dizzyblonde · 29-12-09, 10:02 PM

I had TPFT until I got my second SV. When they were both put on the same policy, and the excess had gone down a lot, I decided it was cheap enough to go fully comp. Suppose it depends what you can afford.

cbay · 29-12-09, 10:35 PM

I would love fully comp but not sure I can afford it! £900 for my mine and £450 for TPFT but that is business insured and first insurance, so got no claims and wont have had license 5 seconds.

29-12-09, 10:44 PM

Quote:

Originally Posted by Wideboy

TPFT for me, most of the bike is ermm...... spezial

Nice!
Im fully comp so I can replace the bike if I wreck it - if I ever have enough saved to buy a bike outright I wouldn't bother though. Aah, what a lovely thought!

BTW does anyone bother with helmet and leather cover (sounds dodgy now I think about it!

dizzyblonde · 29-12-09, 11:28 PM

I had helmet and leathers cover last year, before insurance companies decided to pass on their skintness with the credit crunch to me by not reducing my insurance!

I had the intention of using it when I crashed for my helmet, had the forms and everything (as it was fairly straight forward) just never got round to sending them off. Was due for a new lid anyway. Was 50 quid seperate to my insurance for the year. I opted for personal injury this year instead.

29-12-09, 01:17 PM	#1
Mej Member Mega Poster Join Date: Dec 2008 Posts: 1,418	Fully Comp or 3rd Party F&T? Fully Comp about 380 on a bike worth about 2.5k 3rd party f&t about £180. ???? __________________

29-12-09, 01:19 PM	#2
Alpinestarhero Guest Posts: n/a	Re: Fully Comp or 3rd Party F&T???? I have TPFT. My dad always had it aswell for years until he started making regular trips abroad. If you can afford fully comp, do it, but TPFT will cover most things that are likely to happen

29-12-09, 01:49 PM	#3
Mr Speirs Member Mega Poster Join Date: Jul 2008 Location: Northampton Posts: 2,218	Re: Fully Comp or 3rd Party F&T???? Fully Comp Always. Remember if you are not insured for the initial cause of the accident you aren't covered for incurring costs afterwards i.e. Police Recovery, Fire and Ambulance Charges. __________________ Smokey Black Burnty 02 - Racetech Smoulderlators + .90kg BBQ Springs, zx10r shockingly toasted, Conti Road Attacks heat up very nicely, R&G Crash Bungs but what f**king use are they, No Colour Matched Hugger, Flame Extenda, Beowulf Titainium Oval Flame Thrower.

29-12-09, 01:56 PM	#4
fizzwheel Super Moderator Mega Poster Join Date: Dec 2003 Location: Somerset Posts: 3,614	Re: Fully Comp or 3rd Party F&T???? depends If the bikes on finance and you havent paid it off, then take the fully comp, last thing you want is to be repaying finance on a bike that's been written off. Third party is all very well till you have a single vehicle accident i.e. you fall off and the only person you can blame is yourself if you can afford to fund repairs / replace the bike without relying on insurance then fine. Personally I cant. I had the SV on TPFT as it was only worth about £800 and in most cases it would just have been written off, the GSXR is on Comprehensive and it'll stay that way till its market value is practically nill. In your shoes if I could afford it I'd pay for Comprehensive, at the end of the day its all about how much risk you are prepared to accept. __________________ Look Dave, I can see you're really upset about this. I honestly think you ought to sit down calmly, take a stress pill, and think things over. K5 GSXR 750 Anniversary Edition

29-12-09, 02:05 PM	#5
Mej Member Mega Poster Join Date: Dec 2008 Posts: 1,418	Re: Fully Comp or 3rd Party F&T???? fully comped in now, paying over 4 months so its not too bad. but it was 480 in the end after i put my speeding fines and that on. least im insured to ride again!!! __________________

29-12-09, 09:53 PM	#6
Wideboy Evel Knievel Mega Poster Join Date: Jun 2007 Location: Eastleigh Posts: 4,641	Re: Fully Comp or 3rd Party F&T? TPFT for me, most of the bike is ermm...... spezial __________________ 05 DRZ400E RIP hovis

29-12-09, 10:02 PM	#7
dizzyblonde Da Cake Boss Mega Poster Join Date: May 2007 Location: On a flying Horse Posts: 9,992	Re: Fully Comp or 3rd Party F&T? I had TPFT until I got my second SV. When they were both put on the same policy, and the excess had gone down a lot, I decided it was cheap enough to go fully comp. Suppose it depends what you can afford. __________________ Suzy, yellow 2001 SVS. Kitty, V-Raptor 1000, ZZR1400<<its my bike now Pegasus! Hovis 13.8.75-3.10.09 Reeder 20.7.88-21.3.12

29-12-09, 10:35 PM	#8
cbay Member Mega Poster Join Date: Dec 2009 Location: Worcestershire Posts: 1,209	Re: Fully Comp or 3rd Party F&T? I would love fully comp but not sure I can afford it! £900 for my mine and £450 for TPFT but that is business insured and first insurance, so got no claims and wont have had license 5 seconds.

29-12-09, 11:28 PM	#10
dizzyblonde Da Cake Boss Mega Poster Join Date: May 2007 Location: On a flying Horse Posts: 9,992	Re: Fully Comp or 3rd Party F&T? I had helmet and leathers cover last year, before insurance companies decided to pass on their skintness with the credit crunch to me by not reducing my insurance! I had the intention of using it when I crashed for my helmet, had the forms and everything (as it was fairly straight forward) just never got round to sending them off. Was due for a new lid anyway. Was 50 quid seperate to my insurance for the year. I opted for personal injury this year instead. __________________ Suzy, yellow 2001 SVS. Kitty, V-Raptor 1000, ZZR1400<<its my bike now Pegasus! Hovis 13.8.75-3.10.09 Reeder 20.7.88-21.3.12

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