can somebody please explain fully comp

what does it cover me for on the bike is it worth it over tpf&t at £40 less.

i always think if your young or the bikes not worth much whats the point? if your young you wont claim for your own stuff anyhow.

i paid £3500 for it i'd be bolloxed if it got wrecked or nicked.

Its worth the extra in my opinion.
Last year when the copper took me out and drove off my insurers paid me out straight away.
Im still fighting with the police now, If I were only tpft id have to fork out the cash to replace my bike myself.

eBay is your friend sv's are cheap to fix, most times cheaper than your excess.

if were only talking £40 then id say piece of mind to go comp anyhow.

yeah but what is covered say if i dropped it in the garage or a seagull dive bombed it at 60 and exploded violently on it would that be covered.

[SoulKiss]

Originally Posted by zsv650

yeah but what is covered say if i dropped it in the garage or a seagull dive bombed it at 60 and exploded violently on it would that be covered.

Yes, but you would be better off not claiming if the damage is about the same as your excess in both cases.

In the 1st you would have to be VERY unlucky to have to claim, on the second if you then slid the bike up the road then you would maybe have a situation where its worth it.

Sorry don't understand TPF&T £X and FULL COMP £X-£40Its a no brainer----take the fully compFull comp covers you for all damage less excess even if its your fault where as TPF&T only covers you for damage you cause to a 3rd party and theft. In the event of an accident that is not your fault the fully comp will fight your corner for everything.TPF&T leaves you to sort it out yourself unless you have legal protection.Not quite all correct but gives you a rough idea

Think you're pretty much covered for eveything bad which can happen to it. No point in claiming if you dropped it like, but if someone was to seriously vandalise it you would be covered. It's always a trade off between the excess £ and the loss of no claims bonus vs the real repair costs.

Luckily I don't have excess at all, well for the first claim per 12months that is!