car insurance 3rd party or fully comp

redscouse

have T reg (1999) Fiat marea....72K...in good nick apart from parking scratches.....parkers values the car at £500.00 pick up similar on ebay for about £800.00....

presently insured with directline fully comp for £330.00 ther new offer is the same with £150.. excess....should I go fully comp or just 3rd party fire and theft for a car valued at less than a grand....I can see me driving this car for another couple of years yet.

cheers

tinkerbell84

Depends if you could afford to replace the windscreen, or the car if it was written off in a hit and run/accident.

davetrousers

Get quotes for both then decide.

anewman

davetrousers wrote: »

Get quotes for both then decide.

That's the best approach. For me TPFT was cheaper than TPO and fully comp was only cheaper with an excess that was greater than the value of my car. As for windscreen cover, some insurers offer this as an optional extra on top of TPO and TPFT.

Conor_3

My missus thought TPFT was cheaper on her FTO right up until she got a large crack in the windscreen a few weeks ago and forked out £286 for a new one.

anewman

Conor wrote: »

My missus thought TPFT was cheaper on her FTO right up until she got a large crack in the windscreen a few weeks ago and forked out £286 for a new one.

I pay £15 extra on top of TPFT for windscreen cover.

Wig

For my cars I find that TPO/TPFT are only about £15 cheaper than Comp.

I reckon you should look at quidco and consider changing to Prudential to get a £75 cashback. Or if you want to stay with Directline, first obtain a quote from Prudential online (if I were you I would enter slightly incorrect vehicle registration and name & address) then subtract £75.
Phone Direct line - ask for "retentions", then say you are considering leaving and ask them what's the best discount they can offer you. They should cut the cost by atleast £50. Tell them what you can get from Prudential and ask them to match it.

LandyAndy

Wig wrote: »

For my cars I find that TPO/TPFT are only about £15 cheaper than Comp.

I reckon you should look at quidco and consider changing to Prudential to get a £75 cashback. Or if you want to stay with Directline, first obtain a quote from Prudential online (if I were you I would enter slightly incorrect vehicle registration and name & address) then subtract £75.
Phone Direct line - ask for "retentions", then say you are considering leaving and ask them what's the best discount they can offer you. They should cut the cost by atleast £50. Tell them what you can get from Prudential and ask them to match it.

Likely to be the case for low value cars where the insurer's exposure is almost entirely to third parties.

Thunderbird_2

If the difference between fully comp and others is less than £50, then go for the fully comp because it will cover your car in case of an accident, might include windscreen cover and, if you are not a hi risk driver or older than 25 yrs old, could give you the perk of being able to drive others cars, with their permission, should the circumstances force you to or simpley to share a long drive.
Your policy will cover you for third party liability when driving those cars though, but, better than not being able to drive them in case of an emergency or something.

If the difference is more than £50, some TPFT policies extend their cover to others cars, so, double check when getting qoutes

EDIT in Italics to make this post correct. Thanks to anewman and tinkerbell84 below.

anewman

Thunderbird wrote: »

If the difference between Fully comp and others is less than £50, then go for the fully comp because it will give you the perk of being able to drive others cars, with their permission, should the circumstances force you to or simpley to share a long drive.

My TPFT insurance with Ecar gives me this on my policy (just checked the certificate to make double certain)

big_gay_kirk

most fully comp quotes i get are actually cheaper than tpft.. not sure why.. also, if you're a Scout Leader and want to be able to transport scouts or other leaders in your car you must have fc to benefit from the Scout Assoc's cover...