I was lying in bed last night and my thoughts turned to car insurance. At first I thought I was having a nightmare, but I pinched myself and it hurt, so I must just be boring :'(

My thought was: Why do I always get Fully Comp. insurance? Considering that the car is quite reliable and if anyone totals it, they'll be paying if it's their fault, why am I paying £££ more than if I just got T, P, F, T?

Why does everyone else get fully comp? :S

Because if you're parked, and some tool hits it, you're covered.

I was lying in bed last night and my thoughts turned to car insurance. At first I thought I was having a nightmare, but I pinched myself and it hurt, so I must just be boring :'(

My thought was: Why do I always get Fully Comp. insurance? Considering that the car is quite reliable and if anyone totals it, they'll be paying if it's their fault, why am I paying £££ more than if I just got T, P, F, T?

Why does everyone else get fully comp? :S

I'd maybe suggest asking Clive (westallc) that question (sorry to use you as an example Clive)

If you total your car, and no-one else is involved, without full comp insurance you're f*cked

Theres no guarantee that the other party that hits you will be insured either. And we all make mistakes

If you total your car, and no-one else is involved, without full comp insurance you're f*cked

Simples.

Ah, I see. Always expect the unexpected. Cheers everyone.

Commiserations to Clive as well. I saw the thread and it looks nasty :(

Considering that the car is quite reliable

Why does everyone else get fully comp? :S

What's reliability got to do with it? insurance won't cover a breakdown (unless of course something falls off and you end up in prang as a result)

otherwise as the other say, we can all make mistakes and you might get belted by a hit and run or uninsured driver.

As others have pointed out, you can always make a mistake, or how about if someone hits you and drives off (been there, done that, but got him in the end).

Also fully comp has windscreen cover included, and usually legal cover too. Also, fully comp isn't much more than TPF&T usually- in some cases it can be the same or more.

silly question i feel

i am in a position that i am so pleased i am fully comp and have declared all mods the reason behind this is i totaled my car no fault on any one else and not alot i could do as the road was an ice ring .

but if i was only tpft i would be fecked big time where as now i sit back and wait for either the car to be fixed or some pinkys in my pocket for another one.

i must stress guys make sure you have declared all mods as that was the first questions i was asked and the bloke said there is a big clamp down and anything not declared will invalidate your insurance and duwe to very high accident rates in the last 3 months the insurance companies are trying there best not to pay out .....

I have also been pondering this very question.

Been looking at insurance for an 02 fabia probably worth £1,500 at most. My point of view is to get fully comp for the same price as TPFT I have to set the excess at £500. Given the low value of the car, that means I get next to nothing for a total write off or theft, whereas with TPFT if it goes up in flames or is nicked then I get £500 more. If any of the local idiots decide to scratch/kick in the panels with a £500 excess there'd be no point in claiming for things like that, especially when the premium will go up afterwards too.

I guess it all depends on the value of your car, how much it would bother you if it was written off, and whether you would actually claim on fully comp (taking into account excess and increased cost of insurance after claiming).

I'm going for TPFT unless I can be convinced any different

If your car isn't worth much and you can afford to essentially throw it away and start again then tpft is an option.

If your car isn't worth much and you can afford to essentially throw it away and start again then tpft is an option.

I was quite suprised when looking for insurance for my Octy, I found FC to be a cheaper option than TPFT when using Confused.com. Leaving me happily suprised

Edited 4 February, 201016 yr by Sid Sidgwick

I think that's because the insurers see someone opting for fully comp as a safer bet than someone willing to chance TPFT.

I was quite suprised when looking for insurance for my Octy, I found FC to be a cheaper option than Fully Comp when using Confused.com. Leaving me happily suprised

Well, bits don't usually fall off Skodas ,unlike VW . :giggle:

If your car isn't worth much and you can afford to essentially throw it away and start again then tpft is an option.

My daughters car is going to cost £800 but fully comp is £716 with 750 excess, but third fire theft is only marginally cheaper - about a tenner - but only has £100 excess so may make more sense as you could actually claim