TPFT or Fully Comp?

[appollo1]

Fully Comp every time for me and all my vehicles.

Better to have piece of mind and know that (fingers crossed) should anything ever happen then all I have to pay is the excess.

Originally Posted by Flanders

Insurance is just gambling with God

Fully comp and peace of mind for a newish bike.

[Viney]

I have been TPF&T from the day i started riding.

TPF&T will make you a very careful rider

[markryker]

Fully comp here on all my bikes

im fully comp but thats only because my work says i must be to park the car in the yard,

i can get tpft for 90 pounds of fully comp for 146.

i do like the idea of fully comp as if i drop it i can get them to fix it, but saying that when it fell over in the petty garage i didnt claim for the dent in the tank.

may i also suggest fully comp....

im TPFT, I was hit off my bike in November...had I of paid the extra £100 (£10 month!) I would have had a check before xmas for £2000, from the third parties ins, and then if it turned out to be my fault they would just claim it back from my ins....

as i was only TPFT I have recieved nothing so far cuz the dude is disputing liability...once this policy is up I will be fully comp everytime

[Dave20046]

Originally Posted by bluefishman

it will cost us 85quid tpft or 240 fully comp with 250 excess just wondered which was best way to go?.

depends on your age. At my age tpf&t is the only way to go. Looking at those quotes I'm guessing your old enough for fully comp to be practical

[BigFootIsBlurry]

Originally Posted by Dave20046

depends on your age. At my age tpf&t is the only way to go. Looking at those quotes I'm guessing your old enough for fully comp to be practical

Same situation here. Especially if the bike isn't worth a huge amount, by the time they've taken the xs and seriously undervalued you bike, the actually money you would get back from a total loss is not all that far from what another years NCB would save you anyway. Thats my experience with cars anyway, can't really offer an opinion on bikes as I'm new. I'm TPFT on mine though.

[Dave20046]

I've had one crash on mine (tpf&t) and it's upped my insurance premium by about £3-£400 (a year!) just cause the other guy claimed I kind of wish in this instance I'd had fully comp as there was a claim going through anyway and I could have got like £1500 for the written off bike and tried to sue myself for personal injury.
But in hindsight it wasn't too bad as I repaired the bike for about £300 and only took a week and a half off work which the boss very kindly paid me. Quite ****ed off I'd only had my lid 3 days before it saved my life tohugh (kind of,well quite grateful in another way)
live and learn

I still wouldn't pay for fully comp as it's never practical to claim off it if you're young unless someone else already is. Just get tpf&t and use your eyes.