Paul_J
Member
Registered: 6th Jun 02
Location: London
User status: Offline
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I don't understand why?
What reason would the insurer think ...
'hmm, I'd prefer it if he went Fully Comp rather than TPFT... that way we're taking on higher risk, for less money  '
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mwg
Member
Registered: 19th Feb 04
Location: South Lakes
User status: Offline
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I've never found there to be a difference of more than a few quid between FC and TPFT. That was when I had the Corsa.
Obviously wouldn't have my current car as TPFT 
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Ian W
Member
Registered: 8th Nov 03
Location: Wirral, Merseyside
User status: Offline
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For the last few years there has only ever been about a £20 saving to go TPFT.
I always just go fully comp, less hassle.
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Paul_J
Member
Registered: 6th Jun 02
Location: London
User status: Offline
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quote:
Originally posted by Ian W
For the last few years there has only ever been about a £20 saving to go TPFT.
I always just go fully comp, less hassle.
Mate that's 2000 penny sweets
I know which I'd prefer 
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Yeah id prefer to line the ins co's pockets as little as possible!!
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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quote:
Originally posted by Ian W
For the last few years there has only ever been about a £20 saving to go TPFT.
I always just go fully comp, less hassle.
Same.
When I insured my Corsa it was more expensive to go TPFT. Crazy but works in my favour.
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Kano
Member
Registered: 29th Aug 04
Location: Fife
User status: Offline
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My insurance for the focus is 385 tpft or 410 fully comp, difference being fully comp has a lot of excesses and tpft is £0...
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Just got a price for FC using the exact same details - £370.05
So I saved £130odd by going TPFT.
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Carl
Member
Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
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I always go full comp even though I drive around a shitter, just thought it would be less hassle if I do crash.
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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It is much less hassle, with a car worth a few k I would rather spend an extra £130 and know if anything happens I'm covered.
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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I get my kicks from living dangerously & saving money 
tbh if I smash a £3k car & get feck all pay out then its not the end of the world.
Its just risk Vs cost & im happy to take a risk.
[Edited on 10-02-2009 by Colin]
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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Think how much money you'd save if you'd paid the extra £130 for FC if the worst happens and you have an accident 
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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If.......maybe........then etc
Ive got a lot of bills to pay, house, car & general living ones. Anything thats not a huge benefit/interest gets the minimum spent on it. If the cars not worth alot (£3k's not a huge amount) then I dont see the point in paying out more than I need to.
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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Fair enough, I don't have all that to pay for so £130 is nothing. But then mine was cheaper to go FC than TPFT so it didn't take long to consider whether to take FC or not
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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I wish £3k was nothing in my life 
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