waynep
Member
Registered: 20th Apr 02
Location: london
User status: Offline
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Right, i been driving nearly three years , ive had one claim, i am now to buy a new car and the difference between thirdparty fire and theft and full comp is nearly a 700 difference !!
i was thinking of just doing the cheaper option, but worried it will bite me in the ass if i have a crash ?
simple explanation of the two types of cover please and any opinions ?
cheers 
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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TPFT covers you for fire and theft, and the other car/person involved if you crash.
FC covers your car in a crash as well as the rest.
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waynep
Member
Registered: 20th Apr 02
Location: london
User status: Offline
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so if i smashed in to someone the insurance payout for that person and i don't get jack shoot ?
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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yep, if its your fault.
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PaulW
Member
Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
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the other thing you need to consider is that in most cases, a 8+year old corsa will be deemed a write-off, even if you can get it fixed elsewhere for a few hundred quid or so...
is FC really worth it??
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John
Member
Registered: 30th Jun 03
User status: Offline
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Totally depends what the car is worth imo.
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PaulW
Member
Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
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quote:
Originally posted by John
Totally depends what the car is worth imo.
agreed
im paying £862 FC on the Omega at present, the car cost me £350 when I bought it... Only reason I am paying so much is because of 6 points...
If it was more than £950 I would of just sold on the Omega & got something cheaper, as £950 is what I deem the Omega to be worth looking on AT & other places...
I cant justify paying more to insure a car than what it is actually worth.
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_Allan_
Member
Registered: 24th Mar 04
User status: Offline
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Your paying £862 on a £350 car? 
Fuck that, go TPFT or TPO. You'll still get your no claims building up.
I wouldn't worry about writing a £350 car off.
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PaulW
Member
Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
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quote:
Originally posted by _Allan_
Your paying £862 on a £350 car?
Fuck that, go TPFT or TPO. You'll still get your no claims building up.
I wouldn't worry about writing a £350 car off.
no, the car cost me £350 as spares/repairs, but it is worth around £950 (simple fix which the previous owner was quoted over 1k to sort from Vaux )
Fully comp insured so if I do get it pranged, I can still fix it myself, otherwise if its my fault & beyond repair, I can still get what I paid for it back + more.
Plus TPFT or TPO didnt give me cover to drive other cars, which comes in handy tbh!
[Edited on 28-09-2006 by PaulW]
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waynep
Member
Registered: 20th Apr 02
Location: london
User status: Offline
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ok ,another scenario, say someone crashed into me ? and wrote my car off valued at 3000, if i was TPFT what would happen ?
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John
Member
Registered: 30th Jun 03
User status: Offline
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If you could prove it was their fault you would be covered on their insurance.
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waynep
Member
Registered: 20th Apr 02
Location: london
User status: Offline
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so its all about whos at fault ? i see, so if i wreck my motor and no one else was involved and i had TPFT i cant get any money back and the insurance wont pay the costs of getting car towed etc ?
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John
Member
Registered: 30th Jun 03
User status: Offline
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Exactly.
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waynep
Member
Registered: 20th Apr 02
Location: london
User status: Offline
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gay ! i better start saving then.... extra 700 quid for insurance it is then 
car is a 280 BHP 306 gti-6 mint cond fSH the lot !
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corsa5dr
Member
Registered: 12th Jan 03
Location: Bath/Bristol - Evo 4 GSR
User status: Offline
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A 280 BHP Gti-6? Whats been done to it. Only 170bhp odd standard
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waynep
Member
Registered: 20th Apr 02
Location: london
User status: Offline
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full spec is back at the office, i tihnk those figures included 50-70 BHP nos
its had all cams and stuff done, i wouldnt like to say without being specific.
its bloody rapid mint cond, not been ragged to shit, has porche brakes 
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jamesvalver
Member
Registered: 21st Feb 03
Location: Bury St Edmunds, Suffolk
User status: Offline
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from my experiance. tpft with admiral means u pay loads for your insurance and if u try and claim u get jack shit from them in return. when my gsi was hit by an uninsured driver, it didnt get fixed so i had to foot the bills and then whe it was stolen at the end of teh year and burnt out, my insurance wouldnt payout at all. insurance is a total waste of time in my eyes now
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waynep
Member
Registered: 20th Apr 02
Location: london
User status: Offline
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wankers ! i think people do respect you alot more if you have fully comp (police especially) i was in an accident and i had full comp, and the other guy invoice only had third party, so they didnt care about him, got me a tow truck and everything , was surprisingly easy.
Im just thinking in the long run, is an extra 700 pounds guna be wasted or well spent ?
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Dean_W
Member
Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline
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I hit a merc recently, my fault.
The corsa sustained quite a bit of damage, more than the difference of going FC.
When i get her back on the road, she WILL be going FC.
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