Insurance question on a cheap bike

[8potdave]

I'm treating myself to a bike next month, spending somewhere in the region of £1K - £1500. Been off bikes for about 8 years due to other commitments so the idea is to run one for a year or two and see how I get on with it / how much use it gets etc before splashing out on something fruitier.

I'm getting insurance quotes and they're not coming out too bad really but it led me to think is it really worth a fully comp policy? If I happen to bin it I very much doubt I would bother claiming however the only concern I have is that if someone causes damage to me / the bike my insurance company wouldn't be interested in fighting it. My friend had this happen to him recently in a van and had to be very pro active about fighting the other driver himself. However, is this typical of insurance companies or did he simply have a bad one? I would rather put the extra money towards some protective gear or even some additional training. As we're moving house this year I can't be seen to be taking the piss too much with my spending

[8potdave]

That was pretty much my train of thought. Im looking at sports 600s mainly zx6r's and SRAD's buatI will just buy whatever is in the best condition for the money.

[8potdave]

CAPP0 said:

OP, have you checked price for both options? Depending (as said above) on age,location, experience, etc, sometimes there is very little difference - in fact I have seen fully comp quotes in the past which are cheaper than TPFT! Also, at your budget, you may be able to squeeze into the classic bike market (15 years old, with some insurers I believe?).

Edited by CAPP0 on Wednesday 28th January 20:17

I have yes and its about double. I'm 33, no NCB but held a bike license since 2007. If there was an advantage in paying the difference I would I was merely getting input to see what others thought and it's pretty much emphasised my opinion.