Following on from my previous thread, a quick question about insurance. Namely - is fully comprehensive worth it on a car that's worth around 2k, or would I be better off getting TPFT? Depending what I buy it could make £100 a year difference, which is not inconsiderable.
And yes, I am just trying to justify buying an Impreza turbo.
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In recent years the saving by going for TPFT (or TPO) has got smaller and smaller.
It seems that the insurance co's now see people seeking non-comprehensive policies as a bit 'dodgy' - for reasons I can't quite fathom :-(
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I paid £147 for Fully Comp for a 7 yr old Honda (group 11) - worth £2,500 say.
I always check when the renewal comes in. As a comparison I ticked TPF&T with my current Insurer's site - premium went up by £30 for the Honda back in August.
Windscreen was hit by stone and the excess was £50 - Autoglass invoice was £300+ so not only was Comp cheaper it covers more - even a simple windscreen claim would make it worth it even if the TPF&T was cheaper
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Another way to make the decision is to consider what would happen if a week after buying the car you are either involved in an accident that is your fault or in an accident which is someone else's fault but they are uninsured/untraceable. Your car is damaged beyond economical repair.
Unless you could shrug this off and go out and buy another equivalent car (or live without a car until you can afford one again) then comprehensive is better.
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Yeah... I think I'll stick to fully comp. Plus it means I can drive other people's cars, which can come in handy. Although it'd be nice to have an excuse not to have to drive the girlfriend's Micra...
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Likewise I have found 3rd party quotes more expensive than fully comp (I'm an old git though). Windscreen and drive other car cover is worth a few quid if thrown in with FC
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I think you already have an excuse for not driving other cars. Have you actually checked what cover you have in such situations? It may not be as much as you think!
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Yeah... I think I'll stick to fully comp. Plus it means I can drive other people's cars which can come in handy. Although it'd be nice to have an excuse not to have to drive the girlfriend's Micra...
Don't assume that just because you have fully comp you will get DOC. Likewise, just because somebody may have TPO, don't assume they are XDOC.
It isn't that simple. Check your certificate to see if you have it.
Also, when DOC, you are TPO.
Hope the acronyms are OK!
Edited by a900ss (S-Max) on 08/01/2008 at 12:53
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DOC = Drive Other Car?
Yeah, I know it's not neccesarily always the case - I know it is on my current policy though, 'cos I checked!
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But what level of cover do you have when driving other cars?
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And ask what is covered by Third Party:at one time it only covered persons-not their car,house etc.
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Sorry, missed a reply up there!
I'm currently covered TPO for DOC AFAIK. I don't drive the girlfriend's car often, mainly if she fancies a drink or something - it's just a useful backup if I have to.
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