I've just switched from DirectLine to Zurich - comprehensive cover renewal cost down from just over £180 to £148 and includes recovery service.
This morning, a few days after the documents came through, I got a credit card size plastic version of the certificate of insurance, which saves having to fold the big paper version up to carry around and is accepted as evidence when renewing the VEL at post offices.
Paper version only required if you go abroad; it details the cover available in several languages.
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What\'s for you won\'t pass you by
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In the long run comprehensive could well be cheaper than tpf and t. One accident which you have to pay for yourself might wipe out a lifetime of saving on the premiums by only having tpf and t. I like to play safe ~ good quality comprehensive (not all comprehensive policies give the same quality of cover) plus protected NCD, with a company that doesn't penalise you at the next renewal if you happen to make a claim.
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L\'escargot.
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Too right. When I worked in insurance, you were the type of customer we loved ;-)
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One accident which you have to pay for yourself might wipe out a lifetime of saving on the premiums by only having tpf and t.
Or it might not. I know someone with 40 years claim-free experience and he'd have saved thousands by going TPF&F over that time. Instead, every year he went fully comp and opted for protected no claims whenever he could. In hindsight he made the wrong decision.
I have done a lot of quotes and for me, fully comp always seems to be between £200 and £400 more expensive. I'm a young driver though.
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Or it might not.
I had an occasion where it did. In about 1985 my 18-month old car was badly damaged whilst parked by the side of the road ~ it cost about half the value of the car to repair it and it took 11 weeks. That meant 11 weeks of hire car charges for which I had to pay. With the financial help of my insurer I tried to sue the other driver but for various reasons the costs became prohibitive and I had to give up. If I hadn't been comprehensively insured I would have been wiped out. At that time if the other driver didn't report the accident to their insurer (and he didn't) then their insurer wasn't liable. I gather that the rules have since changed.
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L\'escargot.
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>>Paper version only required if you go abroad; it details the cover available in several languages.>>
To add a rider about a topic in another thread, Zurich doesn't require notification that you are taking your vehicle into another EU country.
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What\'s for you won\'t pass you by
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