hi folks a wee question for u all , what add ons do you take when buying insurance ? example - i can get fully comp protected no claims for £87 , but no legal cover or breakdown , when i start adding them im looking at £130 - £150 , whats your preferences on this?
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cover every time
defo legal cover, leathers protection can save you a grand or more for a tenner or so a year, keys protection isn't as useful, breakdown can be very useful but it depends on who you get. Some companies will use local companies registered with them so you get seen to quickly whereas others will only have their own (Green Flag have ditched their local, small businesses for their own breakdown company) which might delay you longer due to a lack of vehicles. Also, membership of other breakdown organisations can cover you and whatever vehicle you're in / on which is potentially much more useful.
Other extras such as riding other vehicles and overseas cover (and overseas breakdown) are more personal.
I'd defo have the leathers and legal cover on mine. Key cover is useful if it's dirt cheap as it can save you £70 for a basic lock kit for the bike or a lot more if it's an immobilised system.