Comprehensive Car Ins - Is it worth it ?

Quentin

jstallan wrote: »

@Quentin - She's looking at TPF&T purely from a cost perspective - times are hard at the moment and her car isn't worth much.

My massive excess suggestion (on a comprehensive policy) often does work out cheaper than TPFT (did you try swiftcover - not a particularly good insurer, but if you are looking for cheap cover you don't intend claiming on worth considering)

triticale

The only reason I get fully comp is to be able to drive other cars third party.

I have a £200 excess on a £200 car, so if it does ever get nicked there's no point claiming. At least I'll keep my no claims bonus though!! :rotfl:

iamana1ias

triticale wrote: »

The only reason I get fully comp is to be able to drive other cars third party.

I have a £200 excess on a £200 car, so if it does ever get nicked there's no point claiming. At least I'll keep my no claims bonus though!! :rotfl:

Fewer companies offer that. Don't assume that a fully comp policy includes DOC extension.

lisyloo

Good points about windscreen cover and DOC (driving others cars) possible extension.
However if times are really hard, these may not be biggies.

jstallan

Another problem (?) she has is that she has 2 cars, both registered in her name and both policies in her name. She has the same NCB entitlement for both, they both expire at different times of the year and are bother insured with the same company. There is a named driver on one of the cars and that's nowt to do with 'fraud or fronting'. It's simply down to he can't drive the other car (doesn't get on with it) and very rarely drives at all. Neither car are of any value (both under £500) but they do need a 'spare car' for emergencies (circumstances that I will not go into).

I'm thinking Admiral Multi-Car policy might be suitable ?

triticale

iamana1ias wrote: »

Don't assume that a fully comp policy includes DOC extension.

I don't.

DOC is what gets an insurer my business.

triplea35

From recent experience when trying to insure a second car, I was told by the brokers that I could not use my no claims bonus on two vehicles at the same time. They did offer an introductory bonus offer to get it down to the NCB price on the 2nd policy.

jstallan

that is what I thought, but she has 2 separate polices with the same company that clearly state, an renewal time, a NCB entitlement.

lisyloo

You cannnot use the SAME ncd entitlement on two policies.
But if you have two ncd entitltlesments then that's perfectly ok.

jstallan

She has two policies that both show NCB entitlement. They both lapse at different times as well. So I assume she is ok. She's been with the same company for the past 5+ years.

Thanks for all the advice