Mark.W
Member
Registered: 3rd Jan 07
Location: County Durham
User status: Offline
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i currently pay £504 for TPFT insurance with quinn direct,is it really worth paying an extra £200 to upgrade to fully comp insurance?is there any real benifits from it?
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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If you crash, you can claim.
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Mark.W
Member
Registered: 3rd Jan 07
Location: County Durham
User status: Offline
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quote:
Originally posted by Robin
If you crash, you can claim.
claim from my own insurance if its my fault?
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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If your car ends up on it's roof, on fire, in a ditch, you can claim for it.
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John
Member
Registered: 30th Jun 03
User status: Offline
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Your car in particular it's probably not worth it.
By the time you pay the 200 + what i'm assuming is quite high excess it's more than the car is worth.
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broster
Premium Member
Registered: 6th Dec 02
Location: Drives: E39
User status: Offline
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i tend to always have a car fully comp, could you afford to replace your car if your smashed it into someone else and it was your fault, i know i couldnt!
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Mark.W
Member
Registered: 3rd Jan 07
Location: County Durham
User status: Offline
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i only pay £135 excess at the moment and my car is valued at £1300,and if i did crash and it was my fault i wouldnt be able to replace my car unless i got a loan or something.
if i did go fully comp and crashed and claimed off my own insurance my insurnace will still go up wont it even if i didnt hit another car?
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John
Member
Registered: 30th Jun 03
User status: Offline
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Is the car valued at 1300 by the insurance or did you put 1300 into estimated value?
Yes insurance would still go up as you have a claim.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by wooly101uk
if i did go fully comp and crashed and claimed off my own insurance my insurnace will still go up wont it even if i didnt hit another car?
if you crash your own car the insurance won't pay for any damage to your car, only the third parties, hence the third party fire and theft.
if you went fully comp you will be covered no matter what.
of course your insurance will go up if you claim whether it's your fault or not.
my experience of this is this: 1800 quid for a focus st fully comp with 2 years no claims 20 years old living in an average postcode (accidents not declared)
or
2500 with both accidents declared (one is 50/50 but gives me one years no claims because it was settled outside of insurance and one not my fault)
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Mark.W
Member
Registered: 3rd Jan 07
Location: County Durham
User status: Offline
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quote:
Originally posted by John
Is the car valued at 1300 by the insurance or did you put 1300 into estimated value?
Yes insurance would still go up as you have a claim.
i insured the car for £1300 not the insurance company
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John
Member
Registered: 30th Jun 03
User status: Offline
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If you put 1300 into the estimated value box that means absolutely nothing.
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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They won't give you £1300 for it then.
If you want £1300, you need to get an agreed valuation on it.
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Mark.W
Member
Registered: 3rd Jan 07
Location: County Durham
User status: Offline
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ahhh i see.
do you think its worth paying the xtra then on a R reg corsa?
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WU-TANG- DAN
Member
Registered: 30th Nov 07
User status: Offline
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quote:
Originally posted by wooly101uk
i currently pay £504 for TPFT insurance with quinn direct,is it really worth paying an extra £200 to upgrade to fully comp insurance?
you'd be a mad man not to!
i wish i was in your posistion, it would cost me several hundred to upgrade!.
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Mattb
Member
Registered: 2nd Feb 03
Location: Under your sisters bed
User status: Offline
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quote:
Originally posted by wooly101uk
quote:
Originally posted by Robin
If you crash, you can claim.
claim from my own insurance if its my fault?
The chances of no 3rd party being involved is probably less than you think.. I never thought about fully comp, as i thought the same, if i stack it i just wont claim.. that was untill the back end stepped out on an icy road and i went through a couple of gates and a hedge.. someone has to pay for the hedges and fences, and it was my insurance.. i ended up £3000 down as the car was written off, and lost 3 years NCB.. wish i had paid the extra for fully comp as i would have a cheque for £3000 instead of feck all...
My 2p
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John
Member
Registered: 30th Jun 03
User status: Offline
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Gf has a mint condition r reg 1.0 12v breeze with 28k miles, after a lot of arsing about the insurance offered 900 quid, she had put over 2k into the estimate box afaik.
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Ste L
Member
Registered: 3rd Jul 06
Location: Manchester Drives: 106 16v Rallye
User status: Offline
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not worth it on a corsa, as part's are very cheap ect etc
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John
Member
Registered: 30th Jun 03
User status: Offline
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It totally depends what the costs are and how much the car is worth, you cannot give a 100% blanket answer.
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Mark.W
Member
Registered: 3rd Jan 07
Location: County Durham
User status: Offline
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if i do upgrade it will cost about an extra £5 a week.
[Edited on 03-03-2008 by wooly101uk]
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jamer1001
Member
Registered: 27th Sep 07
User status: Offline
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quote:
Originally posted by wooly101uk
if i do upgrade it will cost about an extra £5 a week.
[Edited on 03-03-2008 by wooly101uk]
An extra £5 a week is nothing, i'd say it's definitely worth it mate. Just think; if you were to have a crash that was your fault, you'd be able to claim for repairs or get something back for your car at least; whereas with TPFT you'd get nothing and have to foot any repair bills yourself, which no matter how cheap parts are, is always going to be difficult.
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