Insurance advice

[DomP]

My insurance is due for renewal at the end of this month and I've been getting some rather low quotes by playing around with confused. What did surprised me is that £0 voluntary excess was the same quote with Hastings as £400 quid voluntary excess?

Any way my question is do I go TPFT or Fully comp on my 2010 sv650s that I do roughly 2-3k on, what value do I tell them it is? I went for £2300 but not sure that I should go lower or whether it makes any difference to them

[Bibio]

you will find that TPFT is only a small difference.

have you tried phoning companies direct like bikesure.

[DomP]

I've not phoned around yet but with a years ncb, mileage of 3k, value at £2300, no voluntary excess and fully comp bur no cover like race or legal my quote is £69

[DomP]

Sorry that was wishful thinking, it was £97.68. Do you guys add legal cover?

[ophic]

It means in the event of a dispute you have to go with a no-win no-fee solicitor. There are plenty around but having legal cover gives you more control and a bigger payout if you win because the solicitor doesn't take a chunk (normally 25% of injury payout). Oh and if you're not injured, no-win no-fee aren't interested.

[Adam Ef]

Check what the mandatory excess is that anyone loads on there. Some make no difference for adding £200 yourself or leaving it at £0 but they have a mandatory excess of a couple of hundred they've put in themselves. Others don't have any basic added.

[squirrel_hunter]

Originally Posted by Bibio

you will find that TPFT is only a small difference.

Not from my experience. It depends on your individual circumstance but when I was younger the difference between TPFT and FC was the difference between being able to afford to ride and not.

[shiftin_gear98]

From personal experience, all documented on here. I will never have anything less than fully comp. Tried TPFT, great when you don't need it. Almost ****ing useless when you do. And yes I tick the legal cover too. When you've had a crash, the last thing you need is your own insurance trying to shaft you too.

[DomP]

I was thinking the same regarding legal cover, I will amend my quote to see what difference it makes. What about riding gear cover? Any experiences of Hastings

[yokohama]

I have the Hastings Premier with legal cover and the gear cover. Legal cover is worth it but I'm not sure about the value of helmet and leathers. If someone causes the accident, I can claim off them. If it's my fault I come off, well it depends on the damage done and the value of the gear. Bear in mind the excess is £50 and they'll make a deduction for wear and tear before paying out. So for example, would it be better just to buy another pair of trousers myself or make a claim and then face any NCD implications and having to tick the 'yes' box when any other insurance application (car, house, travel) asks the 'Have you made a claim in the last 3 years?' question.