Insurance Estimated Mileage

Originally Posted by PyroUK

So it doesn't NEED to be fully comp.

Only occasional commuting, can you get around with out the bike?

It doesn't need to be, no - however I would prefer fully comp just because it's my first year, and the chances of me dropping it, or making a driver fault are surely higher as I'm a new rider

I don't know how long I will have my car for, so commuting would be ideal to have on the policy

[Bibio]

as a new rider insurance companies will expect you to crash so think about it from their point of view in that if you pay them £1.5k and you make a claim of £2.5k then they are out of pocket. everyone crashes their bike at some point even the experienced riders.

is the bike worth going fully comp?

if the bike is on credit then yes i would go fully comp but if it's not and its second hand then TPFT might be a better option. if you crash you pay out your own pocket to fix it, this in turn might just keep the devil on your shoulder in check.

BTW i'm with bikesure and they have always been fantastic and every year my premium goes down unlike a lot of insurance companies. my bike is also rather heavily modified.

[PyroUK]

OK, reason I asked is because essentially it comes down to whether you can afford to be without the bike and for how long.

Fully comp means you should have the minimal amount of time without transport. I go FC for this reason.

That and I don't have the income to repair it myself should anything happen.

If you can afford to repair it yourself, in one go or over time, and can afford to be without it for that period. The cost saving of going tpft may be worth it for you.

If you can't afford to repair it yourself or be without for the period of time, the extra for FC may be worth it.

[TamSV]

Just to throw something else into the mix when deciding between Comp and TPFT... yes you may well drop the bike (although this is not compulsory ) but would you actually want to make a claim?

As you're fairly young you'll probably have a significant excess. Take the total value of the bike, deduct the excess plus the impact of a fault accident on your next 3 years premium and you might not be left with much value worth insuring. If you do drop the vehicle and no-one else is involved, you might be better off fixing the bike on the best budget you can and never telling anyone.

The "modification" issue of a restriction is clearly a nonsense. Your age and licence mean the restriction is inevitable and they should know that. They're quoting a lower price for you to illegally ride an unrestricted bike which is obviously pish.

Online stuff is convenient but in this case I'd advise you to go old school and get on the phone. Declare that the bike is restricted because it has to be. There is a fundamental difference between arranging insurance online and arranging it on the phone or face to face. The responsibility for getting things correct shifts to the broker - so long as you are truthful.

If you tick the wrong box on an online form, you're in bother. If the broker staff tick the wrong box for you, you're not.

Originally Posted by Bibio

as a new rider insurance companies will expect you to crash so think about it from their point of view in that if you pay them £1.5k and you make a claim of £2.5k then they are out of pocket. everyone crashes their bike at some point even the experienced riders.

is the bike worth going fully comp?

if the bike is on credit then yes i would go fully comp but if it's not and its second hand then TPFT might be a better option. if you crash you pay out your own pocket to fix it, this in turn might just keep the devil on your shoulder in check.

BTW i'm with bikesure and they have always been fantastic and every year my premium goes down unlike a lot of insurance companies. my bike is also rather heavily modified.

In my eyes, yes it is worth full comp - however third party might be the better option. I've run into another problem now though:

- I need a restriction certificate as proof of restriction, but because I fitted the ECU restrictor myself I don't have proof.. now what

[Bibio]

it involves taking the bike to a dyno and getting them to test it. or ask the insurance company what they want as proof. if they want a certificate then i think you'll need to talk dirty to your local suzuki dealer.

Originally Posted by Bibio

it involves taking the bike to a dyno and getting them to test it. or ask the insurance company what they want as proof. if they want a certificate then i think you'll need to talk dirty to your local suzuki dealer.

The guy I spoke to was totally useless - I asked what they considered proof of restriction and he didn't even know. So I asked how can I provide proof then? - He said to request proof from whoever fitted the restrictor, which was myself.

Totally useless. I know a guy from a garage who said he'd write a slip that says he fitted the restrictor and it's certified for free; but he doesn't know how he can test that it is actually restricted as he doesn't have a dyno. Is there any other way to prove that it's restricted without using a dyno?

[PyroUK]

oooooh that's a tough one.

got a suzuki dealer near you? just call em and ask what they give to prove a bike is restricted when they sell one. Say you are interested in getting a new one, but are looking at insurance etc and they have asked for something so before you can commit you need to know and make sure it's ok with them. should give you an idea if it is simply a statement, a letter, a dyno graph etc

[TamSV]

Originally Posted by Strleech

The guy I spoke to was totally useless - I asked what they considered proof of restriction and he didn't even know. So I asked how can I provide proof then? - He said to request proof from whoever fitted the restrictor, which was myself.

Totally useless. I know a guy from a garage who said he'd write a slip that says he fitted the restrictor and it's certified for free; but he doesn't know how he can test that it is actually restricted as he doesn't have a dyno. Is there any other way to prove that it's restricted without using a dyno?

FFS I can't believe people are still going through this certificate crap.

There is no legal definition of what this meaningless document should look like so run something up on a Word document. Bingo! Certificate produced by the installer as requested.

Otherwise try calling again and hope you get put through to someone who knows what they're talking about this time.

Fannies.

[Nutsinatin]

This is what Suzuki give out, I was with wicked quotes and they didn't ask for proof, my friend was with Just Motorcycle Insurance and they didn't either.