Savinforcorsaproject
Member
Registered: 3rd Aug 03
User status: Offline
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Ok
Can any one tell me the Difference here?> As i am so young i dont really want to claim. So i was think ing whats the Diff if i go 3rd party - 3rd Party Fire and Theft ?
Cheers
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diddon
Member
Registered: 23rd Apr 02
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3rd party will cover the repair on other vechicles not yours
fire and theft - covers the above plus fire damage and if it gets stolen
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DC
Member
Registered: 24th Apr 02
Location: Grimsby, N.E.Lincs
User status: Offline
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3rd Party is the minmum level of insurance u hav to hav by law. If you crash and its your fault it just covers other ppls cars, properety etc.
3rd Party Fire n Theft (TPFT) is the same as above but as the name suggests if ya car gets stolen n damaged or stolen n burnt out ya can claim for that to.
Fully Comp obviously covers everything (within reason), If ya crash, even if it was your fault they will pay out. Unless they decide u lied bout something. Car spec, power, ur previous accident status etc.
Which 1 to buy depends how much ya cars worth really. they say anything under a grand 3rd Party. Up2 bout £2000 TPFT and after that fully comp. Then again i couldnt afford to replace even a £2000 car if i crashed so would always try n go fully comp.
Up2 u mate, depends on ya wallet i guess.
D
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Savinforcorsaproject
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Registered: 3rd Aug 03
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well its just say i some one crashed to me i wudnt claim of my insurence so its ok but if i crash i wudnt really claim the money back coz all they will vaule my car at is a 1.4SR nova not with all the mods! so was juts thinking of goin 3rd party
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diddon
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Registered: 23rd Apr 02
User status: Offline
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basically if a crash is your fault you get nothing
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DC
Member
Registered: 24th Apr 02
Location: Grimsby, N.E.Lincs
User status: Offline
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Goin 3rd Party is ok but be prepared that if ya total your cars or some1 steals it u wil hav to shell out ya own pocket for a replacement. Your right to avoid claiming if ya can tho cos claims cost u a fortune in future premimums
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DC
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Registered: 24th Apr 02
Location: Grimsby, N.E.Lincs
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Diddon they 18's on ya C? They look cool as fcuk. What suspension mods ya done? Any arch mods or problems?
Cheers, D
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diddon
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Registered: 23rd Apr 02
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no 17's lowered 30mm on eibach springs
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DC
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Registered: 24th Apr 02
Location: Grimsby, N.E.Lincs
User status: Offline
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They look good for them anyway, good choice
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RobHayes
Member
Registered: 6th Sep 03
Location: Lincolnshire
User status: Offline
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i wud advise going fully comp if u can afford it. i was insured TPFT on my SRi, wrote it off n now am still paying for a car i aint got. insured fully comp now
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SRi_m00k
Member
Registered: 19th Jan 03
Location: N.Ireland
User status: Offline
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often very lil difference between tpft and tp price wise, a lot of places wont even qupte tp on its own anymore and some places come up dearer for tpft over gully comp, insurance!! its the curse of our lives!!
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