hi all,

just wondering how others lay out their insurance plans. im going to use ridersplus for example and below is part of their insurance quote:

liability limit: 1,000,000
collision deductible: 500
comprehensive deductible: 500
specified perils deductible: no coverage
opcf 20 loss of use - no coverage (by default)
opcf 43 waiver of depreciation - no coverage (by default)

im looking at a 250cc used bike, lets say valued at 2,000 to 2,500$.

in this situation would you say it would be more financially ok to have the following:
liability limit: 1,000,000
collision deductible: no coverage >>>>> from 500 to 0
comprehensive deductible: 500
specified perils deductible: no coverage
opcf 20 loss of use - no coverage (by default)
opcf 43 waiver of depreciation - no coverage (by default)

other questions:
whats the opcf part? they have no coverage by default and cannot be changed. not applicable but what are they used for? (layman explanation pls).

liability limit: this only covers the other party correct? the other person/vehicle. what about injury to yourself? would any of the above options cover injury to yourself, or this would be handled by your own 'insurance from work/parent etc'. thanks in advance and for your patience.


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