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northwind · 03-03-05, 05:37 PM

Well, I've got a few options here, and I'm not sure which to choose... All have £250 excess

Bikesure have offered me £4500 as a fixed value quote, subject to engineers reports and valuations of the mods. That was £440 TPF&T, £770 FC, included other bike cover, legal cover, and personal injury, but the engineers report would be difficult to arrange at the moment since I can't ride the bike, and their closest approved garage isn't exactly handy. Also, no pillions.

Carole Nash offered £316 TPF&T, £640 FC, not fixed value but with full cover of all the parts... That's with the bike valued at £2400, and the mods at the same again

Since it's not a fixed price, there's more likely to be disputes about covering the aftermarket bits, but it's cheaper and much, much less hassle. Also that includes breakdown cover (which would save me the cost of my RAC renewal), other bike cover, and legal cover

Last, Virgin offered me £595,much the same as CN but without any of the frills- no other bike cover, no legal, no breakdown. £300 TPF&T. I don't really think this makes any sense but I've included it anyway.

Still waiting for a quote back from the Biketeam.

So, what should I choose from those so far? I reckon the Virgin ones don't make sense for the savings I get, sincethe legal cover is obviously a good thing in the event of a disputed accident, and it saves me paying for breakdown. But at those prices, FC or TPF&T? Fixed value or regular?

Last year was easy, only one company would insure me and the FC was £1300

Thanks guys!

03-03-05, 05:37 PM	#1
northwind Moderator Mega Poster Join Date: Jan 2004 Location: In the garage where I belong Posts: 17,083	What insurance should I go for? Well, I've got a few options here, and I'm not sure which to choose... All have £250 excess Bikesure have offered me £4500 as a fixed value quote, subject to engineers reports and valuations of the mods. That was £440 TPF&T, £770 FC, included other bike cover, legal cover, and personal injury, but the engineers report would be difficult to arrange at the moment since I can't ride the bike, and their closest approved garage isn't exactly handy. Also, no pillions. Carole Nash offered £316 TPF&T, £640 FC, not fixed value but with full cover of all the parts... That's with the bike valued at £2400, and the mods at the same again Since it's not a fixed price, there's more likely to be disputes about covering the aftermarket bits, but it's cheaper and much, much less hassle. Also that includes breakdown cover (which would save me the cost of my RAC renewal), other bike cover, and legal cover Last, Virgin offered me £595,much the same as CN but without any of the frills- no other bike cover, no legal, no breakdown. £300 TPF&T. I don't really think this makes any sense but I've included it anyway. Still waiting for a quote back from the Biketeam. So, what should I choose from those so far? I reckon the Virgin ones don't make sense for the savings I get, sincethe legal cover is obviously a good thing in the event of a disputed accident, and it saves me paying for breakdown. But at those prices, FC or TPF&T? Fixed value or regular? Last year was easy, only one company would insure me and the FC was £1300 Thanks guys! __________________ "We are the angry mob, we read the papers every day We like what we like, we hate what we hate But we're oh so easily swayed"