Quote:With what they eventually pay out I now wonder if its worth having anything other than the cheapest insurance you can get, but I would always pay for breakdown cover in the hope you dont need it, being stuck by the side of the road when its cold, wet and dark trying to work out how to get home isnt fun....and thats when you wished youd have bought it.

Quote:[...] but I would always pay for breakdown cover [...]

Quote:Just to clarify, Im not a regular commuter. Works just not far enough away to get the engine properly warm; and the long way takes all day!


Extras! I always get legal expenses (why do you have to have legal expenses on every policy you have?)

Quote:Just to make sure it's not a crosspost - this is the TDM forum, got it ?

Quote:Because it makes them money. But in actuality, it's paralegal expenses and the last time I used such a service was with Carol Nash and the bint who was assigned to me was next to useless. She did nothing to progress my case and I had to do all the research and make suggestions, non of which she showed any interest in. If you are insured and have an accident the insurance companies negotiate with each other in their best interests, not ours. The same applies to any legal team, after all they're working on behalf their client, the insurance company, not you. Only a legal team working pro bono that has you as the client, and consequently themselves, will aim to get the best deal they can.

Quote: 

 

One thing I'm not sure of is if I pay for Legal expenses on your House insurance does that cover you for claims on your car or bike?

Quote:One thing I'm not sure of is if I pay for Legal expenses on your House insurance does that cover you for claims on your car or bike?

Quote:No it doesn’t. I asked the same ‘multiple legal expenses’ question of a friend who’s been in the insurance industry all his working life. He told me it’s because the legal cover is attached to the policy, not the policy holder. And yes, it’s a bit of a racket.


I also asked if you could buy a legal expenses insurance policy separately, and then be covered for car, bike, house, etc. As far as he was aware, you couldn’t. After all, why would insurance companies want to offer us something like that, it’s not in their best interests.

Quote:Not sure about that I'm no expert on this and am open to being corrected. I'm just very sceptical about the practice of splitting services and then charging for them as added extras. If you buy house insurance then you would have a policy of what it covers. I do wonder what legal services is for. I do know brokers don't like those sort of questions.

Quote:Exactly what I expected

Quote:Because it makes them money. But in actuality, it's paralegal expenses and the last time I used such a service was with Carol Nash and the bint who was assigned to me was next to useless. She did nothing to progress my case and I had to do all the research and make suggestions, non of which she showed any interest in. If you are insured and have an accident the insurance companies negotiate with each other in their best interests, not ours. The same applies to any legal team, after all they're working on behalf their client, the insurance company, not you. Only a legal team working pro bono that has you as the client, and consequently themselves, will aim to get the best deal they can.

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I had the same problem. Ended up sorting it all out myself. I don't bother now with legal.

 

My cover is commuting and leathers no breakdown for about £120. I'm thinking of adding breakdown as I had clutch cable go and the only way of getting the bike home (broke in a dodgy area) was a tow from SWMBO. Very brown underpants. 

Just a point, the leathers cover on mine is a separate insurer so it means 2 excesses and 2 claims.

Quote:Owning a bike that's 13 years old and as duffed up as mine has benefits.

You can insure third party only

You worry far less about it getting stolen or damaged

You know it's quirks and issues
You spend more time riding it than admiring it