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Ask an Expert 3rdP F+T over comp. Insurance

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BikerToBe

Joined:

Dec 12

Posts: 27

BikerToBe says:

3rdP F+T over comp.

Morning all, just wondering how wise of a decision it is to get insured on a Honda CG125 third party, fire and theft (380 with RAC) or go with the safe fully comp (500 with the dreaded MCE, or 800 with Nash)

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  • Posted 2 years ago (14 March 2013 11:52)

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jaffa90

Joined:

Mar 09

Posts: 8791

jaffa90 says:

Ins

What year and how much is the bike worth ? 

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BikerToBe

Joined:

Dec 12

Posts: 27

BikerToBe says:

Yamaha YBR125's

 Ranging from 05-07 models. Prices look to be 750-900 for purchase

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jaffa90

Joined:

Mar 09

Posts: 8791

jaffa90 says:

Ins

Years ago,1970`s Fully comp and T.P.F.T. was a big difference,i risked and got away with t.p.f.t.even on a brandnew bike (paid for).

Over the years it evened out and was silly going for t.p.f.t.

Sounds like the olden days now,

why pay £500 + for a £1,000 bike? More so when you have to pay £200:unsure: excess when claiming.

Replacement is market value not showroom value.

If you have a non fault accident (on t.p.f.t.) get an independant witness if possible. 

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