Fully Comp/Third Party Car Insurance

dry_ed

thanx for your reply, im not sure what to do now as the car realy isnt worth much to claim on but worth alot to me, if you know what i mean heheh
so do u thnk i should keep on with TPFT or if its cheaper go for fully comp.? i cant afford to pay out a high excess if i were to damage someone elses car,(which i hp wont happen)
i have had a quote of 450 includes homestart and brakedown. think its a good price but i thnk the excess it abt 250?
im not good at all this
thanx again.
:beer:

newbie007_2

TPFT covers for damage to other cars, just not your own if you're at fault. Putting the excess as high as possible on FC might ending up a lttle cheaper than 3rd party without excess. Since you dont plan to make any claim on your car then what people are saying is put the highest excess you can to bring the premium down.

dry_ed

thnank you for your reply, if i have the highest ex and im at fault then i would have to pay out wouldnt i? gosh im not thick but this is all confusing to me an oldie. hehehe what would any one else do for the best? would like to hear your iddeas or suggestions
caio for now
dryed big:beer:muma

Quentin

You would only have to pay out if you claimed for damage to your own car.

The idea about taking a massive excess on a FC policy is to see if it makes the premium cheaper than TPFT (assuming you are happy to go TPFT, and be responsible for paying for any damage you do to your own car)

newbie007_2

If you are at fault with a claim in FC - say your excess is £250, the cost of repair to your car is £700, you will have to pay the excess (£250).....then the insurance company pays the rest - £450. This is where u have to find what is best for you if you dont want to fork out for your repairs (note only apply if you're at fault accident).

Quentin

dry_ed wrote: »

i cant afford to pay out a high excess if i were to damage someone elses car

Whatever cover you take, you won't have to pay any excess at all were you to do damage to a third party's person or property.

dry_ed

hi Quinten thank you for your reply. so can you advise me what would be best option for me . i have done loads of searches and to be honest myt head is now real bunged up with all this.
your opinion will be greatly received.
:j

trippy_zippy

Does the excess count with the other drivers car too or just the policy holder? Say I have a policy with £300 excess and theres an acident and there is £500 damage to other car do I need to pay the first £300 of repairs to other car?

Quentin

trippy_zippy wrote: »

Does the excess count with the other drivers car too or just the policy holder? Say I have a policy with £300 excess and theres an acident and there is £500 damage to other car do I need to pay the first £300 of repairs to other car?

See post #37

trippy_zippy

Quentin wrote: »

See post #37

OOOPS! How did I miss that?
I need glasses! LOL
Thanks for that.