Voluntary Excess - worth going high?

forgotmyname

Problem is your car wont be repaired, They will write it off. Even a small parking scuff would cost
more than its worth to fix properly at "insurance rates"

Some companies now charge a small fee for chip repairs.

£10 or £20. Cannot remember if its my current insurers or whether it was direct line that charged?

Loopy_Girl

McKneff wrote: »

Dont think you realise how much car repairs are.

With all due respect McKneff I find that comment extremely patronising.

The policy is not being taken out so that I can claim should I have any issues caused by me. Any repairs caused by myself are met by myself. And they always have been.

Loopy_Girl

McKneff wrote: »

If you are claiming on someone elses insurance you dont have to have fully comprehensive insurance on your car, your level of insurance is irrelevant.

*sigh*

If I am claiming on someone else's insurance for and the repair is likely to take several days then I would request a courtesy car paid for by them.

I cannot get a courtesy car with TPFT insurance.

There is less than £5 difference in policy options.

Should my windscreen get chipped then I can get it repaired free and it has more than paid for itself. Should the screen need replaced then I would not claim on my insurance, I would meet the cost myself as it's not cost effective on small runaround cars and it also affects my NCD.

Loopy_Girl

McKneff wrote: »

so even a little dent in yours they would write it off.

No they wouldn't as they wouldn't know about it.

Are we becoming quite clear on how I run my cars and policies? Goodo :jWhich is odd as it's not really anything to do with my original musings

Loopy_Girl

forgotmyname wrote: »

Some companies now charge a small fee for chip repairs.

£10 or £20. Cannot remember if its my current insurers or whether it was direct line that charged?

The company I am with do not charge for chip repairs.

I checked it out and everything - who would have thought it eh?!!!;):p