Insurance - Fully comp or not?

Thanks craven2k, and welcome to the forum

I phoned carol nash last night, £296 TPFT through AXA so i must have ticked something. I'm taking out the policy today

my first scoot was £800 TPFT or £300 TPO, and fully comp wasnt even an option. anyway, as i only paid £800 for the bike i figured if i went 18months without it getting nicked i'd be in pocket.

18 months later it was nicked... which was ok, as it was knackered and smoking like a .. urm smokey thing.

pay about £150 TPFT now, which seems about right. but defo think i could fix it cheaper than the cost of FC insurance.

k

Just taken the insurance, i still can't believe how much cheaper than everyone they are. The best TPFT quote was around £500.

Carolnash / AXA with full legal cover, breakdown cover, pillion, european riding, 3rd party on other bikes was £296TPFT.

Simply stunning.

Originally Posted by jon

Just taken the insurance, i still can't believe how much cheaper than everyone they are. The best TPFT quote was around £500.

Carolnash / AXA with full legal cover, breakdown cover, pillion, european riding, 3rd party on other bikes was £296TPFT.

Simply stunning.

Snap!

Yep, I just went with Carole Nash too. All the above but fully comp for 379. Now I get to call the RAC and give them the good news that they aren't getting 43 quid from me this year.

Originally Posted by bikageboy

my quote was as follows

600 quid TPFT

2500 FC

i can beat that... 992 TPFT......5000 FC
guess which i went for....

but there are a lot of factors involved and it does come down to the maths...

when I had a 2k gpz500 living in croydon, tpft was 550 pounds pa. also first bike. new licence. with a 3k SV650S in Ashford, tpft was 350, fc 475... for that I got life insurance, legal assistance, breakdown recovery - including european breakdown recovery so when it goes on the eurotour I can get it back...

hmmmmm good job as using legal assistance with my october accident and the breakdowns been used three times... (which at around 150 pounds a go means Ive saved money than if Id had tpft)

gotta get your moneys worth eh?

Just checked out Bennetts for this year's renewal. Despite having only gone to the SV from an ER5 in the last few months, they're offering £466 fully comp and £194 tpft.

That's for 28 year old in Kent, bike parked off road, 20,000+ miles per year, no fault claims, no points... for the extra £270, it's tempting to get fully comp for that amount of mileage... as much as I'd rather save the cash, £270 extra to know that whatever happens, they'll sort it for me, even if it's part fault/my fault entirely, is a bit reassuring. Also just got married and that seems to have pushed the premiums down quite a bit.

None of the others - CIA, motorcycle direct, confused.com... seemed to come out better than Bennetts, and I had good service from them when I got punted off at the end of last year. I suspect that because they have more info. on me as I've always been with them, they can do a better deal... will probably be pitting one against the other on the phone as I get closer to the actual renewal date... even if I can shave off £50 or something

i was once told that if fully comp cost more than 33%of the bike/car then just to go third party, on the probability that short of catastrophic damage virually anything can be fixed if you go to breakers and stuff.

i have fully comp as its a new bike,

im a new rider (passed DAS Oct 04) im 34, bike garaged with a cat 1 alarm £330 Fully comp through MCE

Just ask yourself how much do you think you could fix? Or do you know anyone that would help you. And can you live with out the bike for a while.
That should answer your questions if you want Comp of FPTF.