All Torque
Member
Registered: 17th Nov 05
Location: Milton Keynes Drives: Ford Focus TDCi
User status: Offline
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I've just gone from fully comp to TPF+T and kinda feel stupid that i didnt carry on with FC and that i've lost things like £50 window excess, But i feel more mature when driving now and feel safer so i'm not likely to crash by myself.
Anyone else feel like this? is it good or bad?
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ric 16v
Member
Registered: 5th Oct 05
Location: cumbria
User status: Offline
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you should have stayed fully comp, say someone crashes into the back of you and your car is write off you wont get a penny for it !!
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bradfincham
Member
Registered: 20th Sep 02
Location: East Of England Drives: Clio 172
User status: Offline
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May as well stay FC
I wouldnt have the cars i have had or the sitution if the red corsa hadnt been fully comp, I would have lost a 6k payout!
Plus whst £300 for me extra when the cars worth nearly 7k 
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All Torque
Member
Registered: 17th Nov 05
Location: Milton Keynes Drives: Ford Focus TDCi
User status: Offline
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Its all down to modifications. "under 25? 2k car? Mods?...... Fcuk off!"
name me one insurance company that covers mods on FC competitively!
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Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
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i couldnt be anything but FC
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
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quote:
Originally posted by lynny_sxi
i couldnt be anything but FC
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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quote:
Originally posted by ric 16v
you should have stayed fully comp, say someone crashes into the back of you and your car is write off you wont get a penny for it !!
eh? if the other driver is insured you will get a payout from their insurance???
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ryzer
Member
Registered: 18th Mar 03
Location: Berkshire Drives:UGLY MUG
User status: Offline
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i was TPFT and regretted it instantly, i had a crash and it really pissed me off! go fc its worth it
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James_DT
Member
Registered: 9th Apr 04
Location: Cambridgeshire
User status: Offline
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For me it's always been just £200 extra for FC, and I wouldn't ever have a car I couldn't afford to insure FC. Just for the little extras like windscreen repair, free glass etching etc and the piece of mind that it's as insured as possible. It certainly hit home when my Ex's brother crashed her car writing it off, and because it was only insured TPFT then she's without a car until her parents can afford a new one.
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Danny H
Member
Registered: 10th Feb 05
Location: Gilberdyke, E Riding of Yorkshire
User status: Offline
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quote:
Originally posted by ric 16v
you should have stayed fully comp, say someone crashes into the back of you and your car is write off you wont get a penny for it !!
Yea ok  nugget
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Ry_B
Banned
Registered: 1st Dec 05
Location: Solihull, W Mids Drives: 45BHP beast!
User status: Offline
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Depends on the cars value really.
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p4uls corsa
Member
Registered: 2nd May 05
Location: BRADFORD
User status: Offline
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unless u dont care about losing the money in ur car u should have gone fully comp
i use tft but im not botherd about my cars if something hapens i just go buy another car i wouldnt even claim if it was stolen as it ups ur insurance prices for 5 years
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_Allan_
Member
Registered: 24th Mar 04
User status: Offline
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quote:
Originally posted by ric 16v
you should have stayed fully comp, say someone crashes into the back of you and your car is write off you wont get a penny for it !!
Even if your TPO you'll get a pay out 
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p4uls corsa
Member
Registered: 2nd May 05
Location: BRADFORD
User status: Offline
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quote:
Originally posted by Danny H
quote:
Originally posted by ric 16v
you should have stayed fully comp, say someone crashes into the back of you and your car is write off you wont get a penny for it !!
Yea ok nugget
in a way hes right had that hapen to me and my insurance company wouldnt do anything as was tft but because i had legal fees added they put me onto there lawers who got in touch with the woman who hit my car she settled without going through her insurance
tft means ur not coverd for any damge to ur car so ur insurance wont get involved
ur only coverd if u damage someone elses car or if ur car is stolen or catches fire
[Edited on 11-03-2006 by p4uls corsa]
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p4uls corsa
Member
Registered: 2nd May 05
Location: BRADFORD
User status: Offline
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quote:
Originally posted by mav
quote:
Originally posted by ric 16v
you should have stayed fully comp, say someone crashes into the back of you and your car is write off you wont get a penny for it !!
eh? if the other driver is insured you will get a payout from their insurance???
only if they admit it if not ur company wont do anything to help unless u have legal fees added and then they will just pass u on to there lawers
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Darren
Member
Registered: 21st Apr 02
Location: Hadleigh, Suffolk
User status: Offline
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or uninsured loss recovery company ie legal expenses
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mark_gsi
Member
Registered: 1st Nov 03
Location: Peterlee/darlington
User status: Offline
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quote:
Originally posted by ric 16v
you should have stayed fully comp, say someone crashes into the back of you and your car is write off you wont get a penny for it !!
how do you work that one out like if its there fault
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p4uls corsa
Member
Registered: 2nd May 05
Location: BRADFORD
User status: Offline
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quote:
Originally posted by corsaflip
quote:
Originally posted by ric 16v
you should have stayed fully comp, say someone crashes into the back of you and your car is write off you wont get a penny for it !!
how do you work that one out like if its there fault
read my post u wont get ur insurance company to help u claim against the other driver for damge on ur car as ur not coverd for it u will have to go through lawers so if u havent taken legal fees as the extra cover u wont get help to claim
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AuroraSport
Member
Registered: 5th Mar 05
Location: Norfolk Drives: Audi B5 S4 Avant
User status: Offline
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quote:
Originally posted by p4uls corsa
read my post u wont get ur insurance company to help u claim against the other driver for damge on ur car as ur not coverd for it u will have to go through lawers so if u havent taken legal fees as the extra cover u wont get help to claim
i think your looking into this too deep. its only when you have a case of the other person denying fault that you have to involve lawyers.
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p4uls corsa
Member
Registered: 2nd May 05
Location: BRADFORD
User status: Offline
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quote:
Originally posted by corsa_munky
quote:
Originally posted by p4uls corsa
read my post u wont get ur insurance company to help u claim against the other driver for damge on ur car as ur not coverd for it u will have to go through lawers so if u havent taken legal fees as the extra cover u wont get help to claim
i think your looking into this too deep. its only when you have a case of the other person denying fault that you have to involve lawyers.
i did say that in my last post but ur insurance wont get involved at all even if they admit its down to there company to sort out repairs not ur company they wont chase it up for u
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mark_gsi
Member
Registered: 1st Nov 03
Location: Peterlee/darlington
User status: Offline
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exactly if its there fault there company will pay out.
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p4uls corsa
Member
Registered: 2nd May 05
Location: BRADFORD
User status: Offline
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quote:
Originally posted by corsaflip
exactly if its there fault there company will pay out.
yes they should but ur company wont chase up whats going on for u . u will have to use lawers
as said ive been through this and my company said as soon as i told them there is nothing they can do even tho it wasnt my fault if i was fc they would have got in touch with there company for me
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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quote:
Originally posted by All Torque
Its all down to modifications. "under 25? 2k car? Mods?...... Fcuk off!"
name me one insurance company that covers mods on FC competitively!
HIC - I have an insured valuation of the car - all modifications covered and a like for like replacement on any damaged parts - The cars insured at £4500 - my excess is £250 and my policy costs £378 all in, thats FC
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Ant
Member
Registered: 12th May 02
Location: Hereford and Worcester
User status: Offline
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i have two cars one is fully comp (the xe) and the other tpft (diesel run about)
It does all come down to value of the car really if your car is worth more than say 1500 prob best to go fully comp for the extra i costs
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Ry_B
Banned
Registered: 1st Dec 05
Location: Solihull, W Mids Drives: 45BHP beast!
User status: Offline
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quote:
Originally posted by ric 16v
you should have stayed fully comp, say someone crashes into the back of you and your car is write off you wont get a penny for it !!
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