comp or tpft

for a £1500 400cc bike should i go for a comprehensive policy or TPFT?

the costs are approx £85/year for TPFT and £175 for Comprehensive

usually with my car which is only worth £300 I go for TPFT but I
wanted some advice specifically for bike insurance , if anyone can
offer some?? Thanks

 

for a £1500 400cc bike should i go for a comprehensive policy or TPFT?

the costs are approx £85/year for TPFT and £175 for Comprehensive

usually with my car which is only worth £300 I go for TPFT but I
wanted some advice specifically for bike insurance , if anyone can
offer some?? Thanks

-----------------------------------------

If its shiny enough to attract thieving scrotes get FC, otherwise TPFT. A
hefty lock & chain isn't a bad idea either way.

BTW: Who gave those quotes?

 

That seems pretty reasonable.

The usual rule for any type of insurance is only insure things you
can't afford to replace. Remember insurance companies profit from your
premiums even after meeting the costs of claims.

 

motorcycle direct

27 year old on a zxr 400

 

This makes no sense. The last T in TPFT would cover the scrotes
element.

 

I noticed that too... so what exactly do I get extra for comprehensive?

 

They pay for accidents that're your fault.
Or if you're in an accident with an uninsured driver or stolen car.

Stuff like that.
--
| | Windows95 (noun): 32 bit extensions and a |
| | graphical shell for a 16 bit patch to an 8 bit |
| Andrew Halliwell BSc | operating system originally coded for a 4 bit |
| in |microprocessor, written by a 2 bit company, that|
| Computer Science | can't stand 1 bit of competition. |

 

TPFT - if someone nicks it, or damages it while nicking it, they pay out
Comp - all of the above, plus they pay out if you damage it yourself.

I've never bothered with comp on a bike. Ever. Even after I completely
demolished a bike it still paid for itself via ebay.

 

Last time I got a quote for full comp on my main bike it was about three
grand. **** that for a game of soldiers.

 

"all risks" including the most likely i.e. you bin it

 

full comp is cheaper for me. Weird but true. £70 this year.

 

4 bikes onna AA multibike. 134 quid fully comp.
Not the cheapest quote but I wanted CIHAGM cover.

 

wrote:

Yeah yeah yeah, but you're old and all your bikes are fucking horrible.

 

http://xkcd.com/552/

 

Nope, only 0x41.
OTOH I have not claimed on a bike policy in 43 years and I dont ride
bikes with expensive plastic fairings that cause a writeoff for the
slightest bit of damage.
Its called low risk.

 

wrote:

If you're going to arbitrarily pick a number base, at least be
consistent.

I'd suggest decimal, like any normal person.

 

If you're in an accident with an uninsured driver or stolen car, the MIB
will cover your costs.


--
Beav

VN 750
Zed 1000
OMF# 19

 

I knew what that was before I clicked it, but at least it reminded me
to catch with xkcd.

And who hasn't felt like this : http://xkcd.com/616/

 

Christ yes, every day, especially this week.

 

I think I'd be tempted to go Comp on a bike, due to the fact that even
a small self-inflicted bin can seriously harm you. You can claim
"against yourself" for example if you're unable to work as a result.