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Unread 7 Nov 2002, 16:37   #1
BuddhistPunk
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Insurance sminshurance
I need to get my bike insured and have the following quotes, which do you reckon is the better value :

Quote 1
£238 (£175 excess) - Unbranded Breakdown Cover, Unlimited Legal Cover, No pillions

Quote 2
£212 (£250 excess) - RAC Cover, 50k Legal Cover, Pillions covered

Quote 3
£236 (£100 excess) - RAC Cover, 50k Legal Cover, Pillions covered

Quote 4
£195 (£250 excess) No breakdown, pillion, 3rd party on any other bike.

Obviously 4 is cheaper and has the benefit of riding other bikes, which isnt going to happen that often, but it had no breakdown and a high excess.
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Unread 7 Nov 2002, 16:44   #2
mazzelaar
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Depends on if you plan on crashing dunnit?

I personally go for the higher excess as I am a pretty careful driver and the percentage chance of a crash I'm involved in being my fault is fairly low (I know we all have our moments :P )

For some reason I never both with legal cover either for some reason - mebbe thats just cos I'm dumb.
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Unread 7 Nov 2002, 17:24   #3
ELeeming
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Re: Insurance sminshurance
Quote:
Originally posted by BuddhistPunk
I need to get my bike insured and have the following quotes, which do you reckon is the better value :

Quote 1
£238 (£175 excess) - Unbranded Breakdown Cover, Unlimited Legal Cover, No pillions

Quote 2
£212 (£250 excess) - RAC Cover, 50k Legal Cover, Pillions covered

Quote 3
£236 (£100 excess) - RAC Cover, 50k Legal Cover, Pillions covered

Quote 4
£195 (£250 excess) No breakdown, pillion, 3rd party on any other bike.

Obviously 4 is cheaper and has the benefit of riding other bikes, which isnt going to happen that often, but it had no breakdown and a high excess.
Depends on whether you intend to crash/breakdown or not, doesn't it?
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Unread 7 Nov 2002, 17:56   #4
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Re: Re: Insurance sminshurance
Quote:
Originally posted by ELeeming


Depends on whether you intend to crash/breakdown or not, doesn't it?
if you intentionally crash/breakdown they won't pay out.

go figure..
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Unread 7 Nov 2002, 18:58   #5
BuddhistPunk
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hmm, like yeah, hmm, I have an accident booked in for 3.30pm on March 24th 2002
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