Its great being old!!

rockhopper · 17-Jun-2004, 20:18

Got my renewal through for the ST4 today. I'm 38 and TPFT is only £95!! Thats come down by £75 since last year!!!!!

psychlist · 17-Jun-2004, 20:32

When it's that cheap why not go fully comp?

rockhopper · 17-Jun-2004, 20:41

Well last year when i checked they wanted over £600 for fully comp!

Just done an online check and it comes back at £190!!!!!!

But on a bike that only worth £3500 on a good day i'm not sure it would even be worth claiming if it was written off. £500 excess, incresed premiums for five years afterwards etc.

I'd be interested in other peoples opinions though. Renewal date is 29th of June so i've got a few days to decide.

rockhopper · 17-Jun-2004, 20:52

Just tried Norwich Union Direct to see if they could quote me happy. Well i certainly had a good laugh!!!

Full Comp, £600.85
TPFT, £464.40

and even though i filled out the form to say it was an ST4 the quote kept coming back as an ST2.

Unbelievable.

psychlist · 17-Jun-2004, 21:09

Know what you mean, can't you get a "protected" NCB too? At least you'd get enough back for a deposit on another bike if you had to claim. May not be a lot to some people but I.M.O. the remaining 3k seems an awful lot to throw down the road as an uninsured loss for the sake of a hundred nicker. Sorry to tempt fate and all

TP · 17-Jun-2004, 21:13

Have to agree with psychlist - it's gotta be worth it!

Having been down the road before n all ...

Rushjob · 17-Jun-2004, 21:17

OK I'm slightly longer in the tooth than Rockhopper at 40 and a bit.
My renewal with Carole Nash gives fully comp protected NCB and full Euro recovery etc for £359.
This may sound expensive, but going abroad twice a year the Euro breakdown would cost me at least £115 on top so I is happy.
Andy

Road Runner · 17-Jun-2004, 21:18

Full comp only mate try Zenith I have found them very keen on price..

paulmort · 17-Jun-2004, 21:19

Fer me its £259 fully comp wiff £200 excess on any claim
but at 55 yrs and 35 yrs of riding??? on and off, but its sposed to be fully garaged!!!!!!!!!!!!!!!!!!
spose a u bolt and chain dont count as fully garaged then, but at £250 ish, well I'll take the chance
rgds
a bolted up blooooo duke
ps do you have to tellem bout being a real colour instead of pansy red??????????

Rushjob · 17-Jun-2004, 21:24

Naaaah, wouldn't bother Mort...
I mean, they're only bothered if it would make it a higher theft risk.
I reckon if you mentioned someone had painted it, they'd give you at least a 50% refund on your policy...

Only kiddin mate.......:P

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17-Jun-2004, 20:18	#1
rockhopper Registered Forum User Ducati Corse Posts: 3,367 Join Date: Jul 2001 Location: Pinxton Its great being old!! Got my renewal through for the ST4 today. I'm 38 and TPFT is only £95!! Thats come down by £75 since last year!!!!! Reply

17-Jun-2004, 20:32	#2
psychlist Registered Forum User Ducati in my Blood Bikes: Diavel, very non-std black & white ;) Posts: 4,701 Join Date: Aug 2002 Location: Over there Mood: Lucky? For some, maybe! TPFT? When it's that cheap why not go fully comp? Reply

17-Jun-2004, 20:52	#4
rockhopper Registered Forum User Ducati Corse Posts: 3,367 Join Date: Jul 2001 Location: Pinxton Just tried Norwich Union Direct to see if they could quote me happy. Well i certainly had a good laugh!!! Full Comp, £600.85 TPFT, £464.40 and even though i filled out the form to say it was an ST4 the quote kept coming back as an ST2. Unbelievable. Reply

17-Jun-2004, 21:13	#6
TP Registered Forum User MotoGP God Posts: 15,644 Join Date: Apr 2004 Location: Swansea Mood: 749 racebike MGP Have to agree with psychlist - it's gotta be worth it! Having been down the road before n all ... Reply

17-Jun-2004, 21:18	#8
Road Runner Registered Forum User Big Twin Posts: 1,052 Join Date: Sep 2003 Location: Woking Surrey Mood: Avatar what Avatar Full comp only mate try Zenith I have found them very keen on price.. Reply

17-Jun-2004, 21:24	#10
Rushjob Registered Forum User Big Twin Posts: 1,802 Join Date: Apr 2002 Location: Lincs Mood: :-) Naaaah, wouldn't bother Mort... I mean, they're only bothered if it would make it a higher theft risk. I reckon if you mentioned someone had painted it, they'd give you at least a 50% refund on your policy... Only kiddin mate.......:P Reply