TPFT or Fully Comp?

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?.bike cost £3500

i would go fully comp,

if the bike was worth alot less (£500) i would go TPFT

fully comp, with legal cover too, oh yes!

[Dave20046]

After 3 years of getting it, I don't see the point in legal cover when the insurers only pass you onto a no win no fee solicitor anyway.

[yorkie_chris]

Originally Posted by Lucas

TPF&T will make you a very careful rider

No it will just make you fit crash bungs and handguards.

You ever used it?

[Dave20046]

I fitted my crash bungs but unfortunately they didn't stop the front or back end crushing

[yorkie_chris]

For my bike, my age I would be mental to make a claim against full comp insurance. It would cost me more in the next years premium than I would spend either throwing the SV in a canal, fixing it or using a different bike.

[Dave20046]

Originally Posted by fatneck

You ever used it?

the legal insurance?
Yes twice on both counts they sent me onto no win no fee solicitors. The one that was blatantly someone elses fault they sent me to 'comer crawley' who are shocking (still not got my moneys over a year later, done most the work myself) the cherry ontop was when I rang the solicitor and said 'why's this taking so long, have you attained the witness statement' ......'erm I dunno, have you received a copy of it from us?' 'no!'...'oh we haven't rang him then' . Bearing in mind this was 6 months on of course the guy had changed his phone number. Luckily I managed to stalk him down with just his name and the model of his car.

Secondly a 'my fault' crash which went to 'makoons' or something they turned down the case because 'they wouldn't win'. I suppose in fairness I did try and sue 'the **** that put that ****ing speed camera there'

A guy I ride with is about 40 and all his life he's just done his legal stuff himself and not had a problem. Just corresponds with the insurers by letter.

fair enough, its only as im going through one atm. i didnt even know if i had legal cover, but was quite relieved to see it on the policy. a quick look on their website doesnt indicate its a no win no fee, but i may be wrong. they seemed quite good on the phone today tho, so i guess i'll know in time...!

[Dave20046]

Originally Posted by fatneck

fair enough, its only as im going through one atm. i didnt even know if i had legal cover, but was quite relieved to see it on the policy. a quick look on their website doesnt indicate its a no win no fee, but i may be wrong. they seemed quite good on the phone today tho, so i guess i'll know in time...!

Yup, bet you have a bus pass before the money