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  #21  
Old 18th May 2019, 04:59 PM
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woodsman woodsman is offline
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Default Re: Fully Comp or Third Party?

Originally Posted by shiver View Post
i only think this,not 100% sure...

with full comprehensive it covers you to drive someone else's bike 3rd party fire and theft

if you insure your bike as 3rd party fire and theft then you are not covered to drive someone else's bike at all...

can anyone clarify this ????????
I think you are correct.
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  #22  
Old 18th May 2019, 06:48 PM
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Airmax95 Airmax95 is offline
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Biker.ie Member No. 20721 from Cork
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Default Re: Fully Comp or Third Party?

Originally Posted by shiver View Post
i only think this,not 100% sure...

with full comprehensive it covers you to drive someone else's bike 3rd party fire and theft

if you insure your bike as 3rd party fire and theft then you are not covered to drive someone else's bike at all...

can anyone clarify this ????????
Im insured TPFT on the SP1 and deffo have driving other bikes on my policy so maybe it varies from company to company
I made sure to ask the rep from Principle if I had it and he confirmed it o
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  #23  
Old 18th May 2019, 07:06 PM
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Confusion Confusion is offline
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Biker.ie Member No. 29619 from Cork City
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Default Re: Fully Comp or Third Party?

Originally Posted by shiver View Post
i only think this,not 100% sure...

with full comprehensive it covers you to drive someone else's bike 3rd party fire and theft
Not necessarily. Not all policies are the same. Read the policy details
carefully.

if you insure your bike as 3rd party fire and theft then you are not covered to drive someone else's bike at all...
I have a TPFT policy with Carole Nash underwritten by Ageas.
This policy includes other bikes on a third-party basis only.
It also includes breakdown cover and NCD protection.

My previous TPFT policy with Principal was underwritten by Zenith.
This also had other bike and breakdown cover included.

Last time I checked, the standard policy from Liberty did
not include other bike cover.

can anyone clarify this ????????
Always check the small print. Your broker will send you the full
proposal form. Read it carefully. It is not unusual to find errors
or omissions. Read the policy details and booklet. Make
sure you know which vehicles, riders and type of use is covered.

Are you covered for commuting or business use?

Is pillion cover explicitly included?

Are there conditions attached to theft cover?
ie: bike stolen while left outside your home instead of in the garage.

Does other bike cover apply to "any motorcycle" or are there
capacity or power limits?
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