![[TFU] Thegoon84](/styles/overclockers/avatars/6.png){kind=avatar}
Soldato
- Joined
- 17 Jun 2009
- Posts
- 7,089
- Location
- Swansea
Could someone do a sticky or something to give some advice on reducing insurance prices?
God damn prices are bonkers atm. I’m tempted to just go 3rd party fire and theft, since as if I tank it hard enough to write it off I’l break bones in the process and my life/injury cover will cover the repair. Plus I work for the local authority so get sick pay for 6 months… Terrible outlook, but just being honest here
Going to get a MT07, Think I can get a second hand one for around £4200…. I can just about afford the fully comp, but for the amount I’l be riding it doesn’t seem worth it…. I mean, no matter how good of a rider when riding in public anyone can be hit or taken by surprise I know…. However I’ve ridden motorcross from a young age so can handle torque and power, plus I do taxi driving part time so my road awareness is absolutely brilliant (lolz, debateable)… So I’m hoping it’ll reduce my chances of an accident being my fault… I know that sound ridiculous but I’m trying to weight up if its worth me doing fully comp.
As I’m going to be parking the bike on my drive, with a super thick chain and padlock to a floor anchor it still is expensive. So I might just do the cheaper option for 2 year to hopefully build up no claims, that said I think the price hike is because its not in a garage so regardless of no claims I still think it’ll be a lot….. If god forbid I smash it into something my injury cover will cover the repair/full loan…. If the bike is stolen the insurance will cover it.
How else can I reduce the premium? I’ve said 3000 miles a year, parking it on my drive…. There’s a million options for additional security and whats all this about Data tagging? Does it make a difference or rather justify cost?
Has anyone else opted for 3rd party fire and theft only?
God damn prices are bonkers atm. I’m tempted to just go 3rd party fire and theft, since as if I tank it hard enough to write it off I’l break bones in the process and my life/injury cover will cover the repair. Plus I work for the local authority so get sick pay for 6 months… Terrible outlook, but just being honest here
Going to get a MT07, Think I can get a second hand one for around £4200…. I can just about afford the fully comp, but for the amount I’l be riding it doesn’t seem worth it…. I mean, no matter how good of a rider when riding in public anyone can be hit or taken by surprise I know…. However I’ve ridden motorcross from a young age so can handle torque and power, plus I do taxi driving part time so my road awareness is absolutely brilliant (lolz, debateable)… So I’m hoping it’ll reduce my chances of an accident being my fault… I know that sound ridiculous but I’m trying to weight up if its worth me doing fully comp.
As I’m going to be parking the bike on my drive, with a super thick chain and padlock to a floor anchor it still is expensive. So I might just do the cheaper option for 2 year to hopefully build up no claims, that said I think the price hike is because its not in a garage so regardless of no claims I still think it’ll be a lot….. If god forbid I smash it into something my injury cover will cover the repair/full loan…. If the bike is stolen the insurance will cover it.
How else can I reduce the premium? I’ve said 3000 miles a year, parking it on my drive…. There’s a million options for additional security and whats all this about Data tagging? Does it make a difference or rather justify cost?
Has anyone else opted for 3rd party fire and theft only?
