Voluntary excess on car insurance

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Quentin wrote: »

You don't seem to have grasped the idea here.

I understand the idea completely. I just think it's a shit idea.

You can get TPFT with glass cover.
Comprehensive cover gives you the opportunity to make a claim.
An excess higher than the value of the vehicle removes this opportunity.

Whether the PH intends to make a claim or not shouldn't be the only consideration here. Especially when we only know the saving being made, and not the total cost of the insurance.

dacouch

It's using the loophole that comprehensive can often be about the same price as TPF&T and with the bigger excess can often mean the comp price is cheaper than the TPF&T price. The bonus being you get windscreen cover on what in effect is a TPF&T policy

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Nunnight.

Quentin

Seems only Quote is marching in step?????