“Protected” no claims, is it worth it ?

glentoran99

Nobbie1967 wrote: »

I tend only to insure where legally obliged or for events that would be financially painful should they occur such as my house burning down or my car being stolen. For everything else, I self-insure and protect my stuff from potential loss by taking sensible precautions.

If you take all the insurance you are offered, you are just making money for the insurance industry and subsidising those less careful/lucky/honest than yourself.

so I take it your only insured 3rd Party fire and theft then?

fred246

glentoran99 wrote: »

so I take it your only insured 3rd Party fire and theft then?

TPFT is often more expensive that comprehensive. You just use comprehensive, put up your excesses to the max and refuse all extras.

sheramber

takman wrote: »

Personally i always park away from other cars and in a "sensible" location and i have never had any car damaged in a car park to any of my cars.

I parked out of the way where I had 8 empty spaces on one side and 10 empty spaces on the other side and not a sole in sight.

I came back from my shopping to 8 empty spaces and 10 empty spaces, no sole in sight but the whole side of my car damaged by someone trying park next to me and there bumper denting the length of the car on the way in and on the way out agin.

I have been hit by driver who came round a bend over the middle of the road, hit me and drove on at speed. I had no chance to get any details as he disappeared round the next bend

Joe_Horner

JustAnotherSaver wrote: »

Interesting.

So you're parked up out of the way of everyone else but when you come back to your car it's been bumped.

Do you just then not repair it? Or do you take the hit & claim?

Not happened yet, if it did I'd just straighten it out and carry on