JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
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what does third party fire and theft actually include?
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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Exactly what it says 
If you crash into a third party, it pays for damage to their car/house/railings.
and Fire and Theft is pretty self explanatory 
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JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
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what you mean buy crash into a third party, what if you crashed into someone that was fully comp, or am i getting you wrong on this lol i think i am!
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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If you're fully comprehensive, it means you can claim for damage on your can, belongings and self. If you are TPFT, you can't.
You insurance company will pay out:
1) If you hit their car, them, their house, walls etc etc etc
2) If you car somehow catches fire
3) If your car is stolen.
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JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
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kk cheers deano, thats all i wanted to know! i fu*kin hate insurance lol id probably pay for any damage to my car anyway as car is only worth 1500 aat the end of the day!
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jamesvalver
Member
Registered: 21st Feb 03
Location: Bury St Edmunds, Suffolk
User status: Offline
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means nothin at all with admiral! my gsi was tpft, i was hit but an uninsured old man, they didnt want nethin to do with it, i got it repaired, it was then stolen (theft) and burnt out (fire) and they refused to payout.
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JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
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ouch, bad that is!
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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The only thing is that I'm not sure on your no claims discount build up when you're only TPFT. Also, when you're under 25 and are fully comp, you normally have a ludicrously high Young Drivers Excess before they pay anything. My girlfriends with Churchill was £400.
If you decide on Fully Comp and the quote is really cheap, check the Young Drivers excess.
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JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
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il be going TPF+T with me mum on the policy so wont be building up any no claims anyway mate! cant afford it on my own lol
[Edited on 29-01-2007 by JayT]
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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That's a massive mistake, you'll regret it.
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JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
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why?
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JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
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insurance is just too expensive for young drivers on their own policy nowadays! just going to go with my mum for a bit then go on my own when it comes to renewal!
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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Especially if insurance companies look at it this way, which I'm sure they do.
You pass your test on your 18th birthday. You go on your mum/dads policy till your 22, not building up your NCB. You then go to get insurance on your own. You'll have 4 years driving experience, yet 0 NCB, it'll look like you've claimed every year for the past 4 years.
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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because in a year, your insurance prices will be the same, and you still won't be any better off.
get on your own policy ASAP, I didn't now I'm 20 and only have 1 ncb, which means I can't insure much still...
It might be expensive, but it's worth it in the long run.
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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Deano, they don't do that  you have to declare the claims, and they'd see that there were none, but the price would still be high.
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JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
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i see where your coming fom but my mum uses her no claims on her TT so she cant use them on another car, i got a quote for her alone and it was dirt cheap and thats with no no claims bonus on it and 3 points so not always like that!
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JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
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lol cheers robin for the advise, 100% see where your coming from, difference is next year i will hopefully be earning more so will be able to afford to go on my own!
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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Also, if you are the main driver of the car, and you are insured as a named driver, it's called fraud.
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JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
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my mum would be using it a lot though for work!
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STANNY
Member
Registered: 4th Jan 07
User status: Offline
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Alright mate, try to get it on ya own name if poss. I tried puttin it on mums name but companies refused as car is done up and they knew that it wasnt her been main driver. I am now paying £2650 for a 1.2 Clio and thats with pass plus! If ya car is standard then you should be able to get away with it.
They are clamping down on it though and can refuse to pay out in a crash. Hope this helps.
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JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
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iv just got a quote for just me on my own policy for under a grand lol so going to do that! can start to build up my no claims that way which are vital i suppose and are worth that few extra hundred quid!
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Poot
Member
Registered: 30th Jan 05
Location: Wales/midlands drives: 1.6 16v
User status: Offline
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quote:
Originally posted by STANNY
Alright mate, try to get it on ya own name if poss. I tried puttin it on mums name but companies refused as car is done up and they knew that it wasnt her been main driver. I am now paying £2650 for a 1.2 Clio and thats with pass plus! If ya car is standard then you should be able to get away with it.
They are clamping down on it though and can refuse to pay out in a crash. Hope this helps.
Bloody hell 
I'm expecting to pay that in the summer when my insurance is up for renewal, & I fit & declare my x16. (BTW im paying £1850 on a 1.2 corsa, mods declared atm, so not really much better)
but £2650 for a 1.2 clio 
[Edited on 29-01-2007 by Poot]
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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That's ridiculous for the Clio. I'm paying £1k for a 12v FC.
[Edited on 29-01-2007 by deano87]
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dan_c4rsa
Member
Registered: 12th Dec 06
Location: North Yorks Drives: MK3 Seat Cupra
User status: Offline
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all these quotes are mega high!
im with quinn direct paying 1125 for a 1.2 sxi with pass plus. They know about new filter and stuff (dusnt affect it) - and my alloys didnt do anything either!
got a quote for when i have me 1.6 in when im 18.......... £1,067!!! wooo! might be more because of it being a conversion though...
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JayT
Member
Registered: 26th Jul 06
Location: Stoke On Trent
User status: Offline
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ye ive just got a quote with quinn direct, £967 on a 1.4 sport, im 19 with 0 no claims! pretty good if you ask me!
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