Fully comp or TPFT on a £1.3k Bike?

[One]

So I've bought a bike!

I'm picking it up on Saturday so need to get insurance in order to ride it back.

It's 20 years old and it's costing me £1.3k so not mega money but also still a lot to simply lose.

I wonder if fully comp is worth it over TPFT? The difference is increasing a premium from about £220 to £280.

 

[One]

£250 excess, so basically £60 to cover a grand once you take out the excess.

This seems worthwhile I think.

Anyone got any horror stories with Hastings direct?

 

[One]

I went with 'bemoto' in the end saw them on 44teeth, means I get £500 excess insurance. That means I can have a policy with a £500 excess (more than I'd normally want) and it's essentially a £0 excess.

Got fully comp for £250 and that's with full rac breakdown cover.

Can't grumble really and next year I'll have a year ncb.

My classic policy for my bonny doesn't collect ncb.

 

[One]

Classic policies are just a bit different I think. It's understood that mileage is low and the bikes are not used like a modern bike.

Customer service was pretty spot on. It's a really small company, I looked them up on experian at work, quite what they'll be like when they start to expand I don't know, but at the moment they're certainly worth phoning come renewal time. The guy I spoke to was an actual company director lol. And all communication was through the same guy so it was pretty good in that aspect.

They're still a broker bound by their underwriters though so mileage may vary.

For me at least I think being able to whack the excess up (without actually whacking the excess up, thanks 44teeth) made all the difference to my quote.