| 2002:
28, 6 years NCB, not garaged (car port), Yr 2000 748S, less than 3K miles per year, bike worth £5500 = £480 TPFT
2003:
29, 7 years NCB, garaged (we moved, but not far!), same bike, same 3K limit, same worth = £230 TPFT inc European breakdown cover.
Basically I took the risk in the first year by having my bike quoted as being worth less than it would to replace. A chat with the man at Rampdale Insurance lead to the fact that £5,500 was a cut-off point where things got really expensive.
This year we moved up the road and gained a garage, which has made quite a bit of difference. I've left the value of the bike the same (still slightly below but not much) and also switched insurers from Zenith to Equity Red Star as they wanted the same amount (480) to renew but Red Star would now quote me as I had a garage.
I might see what Fully Comp prices are like next year as I'll be 30... |