Fully comp or 3rd party

BigD · Post by **BigD** » Sat Mar 18, 2006 10:48 am

Hi guys, long time no post. Bike insurance is due for renewal, not sure what to do and a few opinions might help.

Bike is worth about Â£2k. Excess is Â£300. I don't commute on it.

- Â£194 TPF&T
- Â£362 FC

What would you do?

Fireman on a Storm · Post by **Fireman on a Storm** » Sat Mar 18, 2006 10:52 am

Fully comp all the way.

look here
http://www.vtr1000.org/phpBB2/viewtopic.php?t=5611

Also if it's worth Â£2k put down the value of Â£2.5K

BigD · Post by **BigD** » Sat Mar 18, 2006 11:20 am

Thats what I thought, and it is down at Â£2500. Seems a good price too, got other quotes which were all over Â£500 for fc.

Fireman on a Storm · Post by **Fireman on a Storm** » Sat Mar 18, 2006 12:07 pm

I don't know how old you are (i'm 38) but I have got mine down under Â£230 comp with protected no claims even after the accident, and loving inside the M25 london
A couple of hours on the phone and net

BigD · Post by **BigD** » Sat Mar 18, 2006 1:43 pm

Sounds a great price. I'm 34, 1 yr no claims, 1 yr continuous riding, don't live in a city.

yellafella · Post by **yellafella** » Sat Mar 18, 2006 3:24 pm

Just got mine through today. HR Insurance, 3rd Party,F&T @Â£211.

Thats cheaper than i could find last year !!!!

Must be cos i've hit the big 40 !!

Worth trying them !

VTRgirl · Post by **VTRgirl** » Sat Mar 18, 2006 3:32 pm

Comes down to whether you can afford to simply pop out & buy another one if this one gets pinched or whatever. If money's not an object, why bother? Take your chances. If you'd be lost without your Storm, then insure it.

thumper · Post by **thumper** » Sat Mar 18, 2006 4:34 pm

mmmmmmmmmm i have tpft the reason is that the fully comp excess is just crazy Â£500 and by the time i would loose my no claims it means you wont claim unless its at least a grand

with the prices on fleebay now for 2nd hand bits i am playing the calculated risk

i pay Â£191 for two bikes tpft but i am 143 years old and stay in crime free green belt scotland (crime free , ha ha)

VTRgirl · Post by **VTRgirl** » Sun Mar 19, 2006 4:38 pm

thumper wrote:...but i am 143 years old...
_________________
just because your breathing doesn't mean your alive

Thumper, are you sure you're alive?

commander · Post by **commander** » Sun Mar 19, 2006 9:12 pm

you guys and gals are lucky!!

ringing round for insurance for a storm 1998 model worth 2300 and people are quoting me Â£3000 plus!!

my best so far is Â£1300 tpft

dam this is expensive

Fireman on a Storm · Post by **Fireman on a Storm** » Sun Mar 19, 2006 9:19 pm

commander wrote:
dam this is expensive

More like a rip off

commander · Post by **commander** » Sun Mar 19, 2006 9:27 pm

18 with 2 years no claims

yeah hel of a rip off

commander · Post by **commander** » Sun Mar 19, 2006 9:34 pm

suppose so

Post by **kevg** » Sun Mar 19, 2006 11:22 pm

youre doing well to be even riding a storm at your age, they've been trying to stop people as young getting onto big bikes, with things like direct access. and as your finding, extorsionate insurance.

you start riding when you were 16?, did your 2 years on restricted lisence and get the storm after that.

BigD · Post by **BigD** » Mon Mar 20, 2006 6:54 pm

yellafella wrote:Just got mine through today. HR Insurance, 3rd Party,F&T @Â£211.
Thats cheaper than i could find last year !!!!
Must be cos i've hit the big 40 !!
Worth trying them !

Thats who the quote is with. They were by far the cheapest for me as well. Went for Fully Comp in the end, hope it was the biggest waste of money ever