What do I need - Insurance

twopenny

So, I have a small Hyundi classic, rural driving, circumstances mean that I stay local ie no more than an hours leisurely (I hope) drive.

I've had a quote better than the renewal but it depends on how much I need.

Included :-

Windscreen cover

Uninsured driver promise

Courtesy car while your car is repaired by an approved repairer

24 hour claim helpline

Policyholder can drive other cars (Third party cover only, terms and conditions apply)

Personal accident cover

It says Courtesy car while repair - but then offers something about car hire.

Do I need Legal Cover? Only once in 45yrs and it wasn't able to help. I do it for house but not sure what this can offer.

Motor Accident? Loss of limbs etc. As a retiree not sure that I would get anything anyway. Or would I? It's usually dependent of earnings and care. But it does say Personal Accident cover included.

Accidental and malicious damage compulsory excess (approved repairer) - Not sure what this means (malicious obvious) but I live in a quiet community.

I'd be grateful for your help, explanations. I can't face talking to a bot.

paul_c123

We don't know what you need.

Mildly_Miffed

The simple answer is how much would you save by finding a policy that didn't offer those?

They're actually a good sign that you're looking at an insurer offering value, rather than one trying to chisel content to a minimum to save a few pennies on a comparison site.

What sort of range of premiums are you being offered by the meerkats etc?

twopenny

I haven't done a comparison this time as I thought I'd see what a couple of those bigger names that don't always come up offered.

It's certainly as good as the others.

So far for AA and Lv it's £30-£60 less than my renewal from Tesco. It will eat in a bit if I have the next level up and extras.

With costs going up so much across the board I'm covered for the essentials.

I don't get what the Courtesycar that's included is different from a hire car - unless then you hire a make model you want. I was hoping someone else does.

I do about 6000miles this coming year as I'm having a foot op that will keep me from many activities even when I can drive again but will need to drive so that's important.

I think I'll rule the others out.

Just been round the houses with TalkTalk BB so my thinking isn't straight at the mo

Mildly_Miffed

No reason not to get the meerkats and friends on it - if you've previously had quotes, and nothing's changed, it's just a couple of clicks.

If they're in the same ballpark, you know they were right.
If they're a chunk less for similar coverage (or without things you don't need), then you've saved.

born_again

twopenny said:

So, I have a small Hyundi classic, rural driving, circumstances mean that I stay local ie no more than an hours leisurely (I hope) drive.

I've had a quote better than the renewal but it depends on how much I need.

Included :-

Windscreen cover

Uninsured driver promise

Courtesy car while your car is repaired by an approved repairer

24 hour claim helpline

Policyholder can drive other cars (Third party cover only, terms and conditions apply)

Personal accident cover

It says Courtesy car while repair - but then offers something about car hire.

Do I need Legal Cover? Only once in 45yrs and it wasn't able to help. I do it for house but not sure what this can offer.

Motor Accident? Loss of limbs etc. As a retiree not sure that I would get anything anyway. Or would I? It's usually dependent of earnings and care. But it does say Personal Accident cover included.

Accidental and malicious damage compulsory excess (approved repairer) - Not sure what this means (malicious obvious) but I live in a quiet community.

I'd be grateful for your help, explanations. I can't face talking to a bot.

Rural driving.

Windscreen cover = Must on country lanes
Uninsured driver = Must anywhere. 
Courtesy car. Do you have another car to use.
24 hour claim line. Is the norm on policies. Why would you not want it.
Drive other cars, Not all have that anyway.
Personal accident cover. All about personal risk.

Legal cover on house may not cover car related problems.

angrycrow

From your description of your car I am assuming an older vehicle in which case any accident will result in it being written off. This affects the choice of courtesy car cover needed. Courtesy car during repair is of no benefit as it will not be repaired so you need to look at hire provision in the event of a total loss. 

The bit about approved repairer excess is likely to be that some insurers now charge a higher excess amount if you choose your own garage. Given the car is likely to be a total loss from any claim it does not matter. 

Personal accident is a bit of a gimmick, sounds good but in reality very low payouts for life changing injuries. Don't pay for this cover but if they are throwing it in for free no harm. 

Driving other cars is a personal choice because it does not cover damage to the car you borrow, it only covers third party losses. It will either be included for free or not offered depending on insurer. 

Uninsured driver cover means being in a non fault accident with an uninsured driver will not impact your no claims or excess. Most insurers include this for free now. 

Windscreen cover is essential.

I would always recommend taking legal cover. In the unlikely event of a serious non fault claim it stops the solicitor taking 25% of your damages. Normally adds around £15 to £20 to premium.

Beeblebr0x

angrycrow said:

I would always recommend taking legal cover. In the unlikely event of a serious non fault claim it stops the solicitor taking 25% of your damages. Normally adds around £15 to £20 to premium.

In all the years I've been a home owner and driver, I've never had legal cover. Now you're making me feel I'm making a mistake in not having it. Out of interest, how many others here buy legal cover?

LightFlare

Always have legal cover.

Think of it as you do insurance - you hope you never need it but are extremely grateful if you do.

Have a read on the housing forum for an idea of how many people have problems but no legal cover and the grief it can cause

Beeblebr0x

LightFlare said:

Always have legal cover.

Think of it as you do insurance - you hope you never need it but are extremely grateful if you do.

Have a read on the housing forum for an idea of how many people have problems but no legal cover and the grief it can cause

We've always had nice neighbours but I take your point

born_again

Beeblebr0x said:

angrycrow said:

I would always recommend taking legal cover. In the unlikely event of a serious non fault claim it stops the solicitor taking 25% of your damages. Normally adds around £15 to £20 to premium.

In all the years I've been a home owner and driver, I've never had legal cover. Now you're making me feel I'm making a mistake in not having it. Out of interest, how many others here buy legal cover?

No.
That's why I pay FC insurance. They can do the work.