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Corsa Sport » Message Board » General Chat » What level of car insurance do you have?

Poll: What level of car insurance do you have?
  Fully Comprehensive
  Third Party, Fire + Theft
  Third Party


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Author What level of car insurance do you have?
Kurt
Member
Registered: 23rd Oct 05
Location: Hi
User status: Offline
31st Jan 08 at 21:21   View User's Profile U2U Member Reply With Quote
hows everyone insured?
Twiggy
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Registered: 15th Oct 04
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31st Jan 08 at 21:22   View User's Profile U2U Member Reply With Quote
fully comp is a must unless car is worth less than prem!
SportBoy
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Registered: 5th Oct 01
Location: Retford, Nottinghamshire
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31st Jan 08 at 21:23   View User's Profile U2U Member Reply With Quote
alot of the time fully comp is cheaper than tpft
scottyp1989
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Registered: 29th Jul 07
Location: Warley, West Midlands
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31st Jan 08 at 21:24   View User's Profile U2U Member Reply With Quote
wouldnt go fully comp unless my car was worth like 5k+
Ben G
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Registered: 12th Jan 07
Location: Essex
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31st Jan 08 at 21:26   View User's Profile U2U Member Reply With Quote
fully comp, wouldn't trust it any other way.
Mike
Organiser: North West and North Wales
Premium Member

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Registered: 20th May 06
Location: nr. Skipton, North Yorkshire
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31st Jan 08 at 21:27   View Garage View User's Profile U2U Member Reply With Quote
Fully comp although it'd take a LOT to make me claim, I had a crash last year, and managed to sort it myself, I actually decided unless it was gonna cost over about £1500 I wasn't gonna claim. £520 excess, plus lose 2 years ncb, and get raped for the next 3 years on premiums, not for me thanks

[Edited on 31-01-2008 by Mike B]
Adam_B
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Registered: 13th Dec 00
Location: Lancashire
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31st Jan 08 at 21:27   View User's Profile U2U Member Reply With Quote
FC
Colin
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Registered: 4th Apr 02
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31st Jan 08 at 21:49   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by scottyp1989
wouldnt go fully comp unless my car was worth like 5k+


same
John
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Registered: 30th Jun 03
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31st Jan 08 at 21:52   View User's Profile U2U Member Reply With Quote
My insurance is under 400 quid, excess i don't know but say 300, if my car was worth more than that, which it is, it makes sense to me to be fully comp.
scottyp1989
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Registered: 29th Jul 07
Location: Warley, West Midlands
User status: Offline
31st Jan 08 at 21:58   View User's Profile U2U Member Reply With Quote
see i dont see the point of me goin fully comp on a corsa that i paid £400 for an my insurance being like £1800 when i can insure a subaru sport for cheaper
Haimsey
Premium Member

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Registered: 8th May 05
Location: Nottingham Drives: Corsa B
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31st Jan 08 at 22:00   View Garage View User's Profile U2U Member Reply With Quote
FC this year seeing as i can afford it. Used to be only TPFT as it was about £1400.

Marcy Marc

White Sport Progress Thread
John
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Registered: 30th Jun 03
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31st Jan 08 at 22:00   View User's Profile U2U Member Reply With Quote
If your car is worth a few hundred quid and fully comp costs significantly more than tpft then thats fair enough.

I wouldn't go up to a few grand though.

As soon as your car is worth more than the policy+excess costs it's stupid do do anythng but, or am i missing something here?
scottyp1989
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Registered: 29th Jul 07
Location: Warley, West Midlands
User status: Offline
31st Jan 08 at 22:08   View User's Profile U2U Member Reply With Quote
as you are only paying like £400 for fully comp thats understandable. but when insurance for me TPFT on a 1.2 corsa at the min would still be like £1500, fully comp is a ridiculous price so untill it drops below £800 FC or ive got a car worth more than like 5K im not guna pay for fully comp
TomWilly
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Registered: 20th Sep 05
Location: Bristol
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31st Jan 08 at 22:10   View User's Profile U2U Member Reply With Quote
fully comp, thers never much difference in the price between that and TPFT
MikeE
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Registered: 7th Mar 03
Location: Milton Keynes
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31st Jan 08 at 22:17   View User's Profile U2U Member Reply With Quote
fully comp always
random dav
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Registered: 7th Jan 04
Location: NSW
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31st Jan 08 at 22:39   View Garage View User's Profile U2U Member Reply With Quote
Used to always be TPFT but FC aint much more to I have that now as it's cheap enough

WRLFC !

Project cars
Seany
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Registered: 13th Dec 06
Location: Dunfermline, Fife : Drives Astra cdti Sri
User status: Offline
31st Jan 08 at 22:43   View User's Profile U2U Member Reply With Quote
whos got the highest premium? it amazes me how much some people pay for insurance. i definately wouldnt pay more than £1000
scottyp1989
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Registered: 29th Jul 07
Location: Warley, West Midlands
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31st Jan 08 at 22:48   View User's Profile U2U Member Reply With Quote
i was payin £2300 on my GSI. NEVER again
Mike
Organiser: North West and North Wales
Premium Member

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Registered: 20th May 06
Location: nr. Skipton, North Yorkshire
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31st Jan 08 at 22:48   View Garage View User's Profile U2U Member Reply With Quote
The 3 premiums I've paid upto now are £1750, £890, £550. First one was the cheapest I could find think there was only one other quote that I got that was under 2 grand. Got lucky tho and they gave me 2 years ncb after a years driving, so second premium was a nice surprise
All Torque
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Registered: 17th Nov 05
Location: Milton Keynes Drives: Ford Focus TDCi
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31st Jan 08 at 22:53   View User's Profile U2U Member Reply With Quote
Was fully comp on a shit corsa and a diesel polo and now i'm TPF+T on the Xsara

Going to go Fully comp when I renew in March
All Torque
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Registered: 17th Nov 05
Location: Milton Keynes Drives: Ford Focus TDCi
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31st Jan 08 at 22:54   View User's Profile U2U Member Reply With Quote
The Corsa's premuim = the cost of the car
dan_c4rsa
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Registered: 12th Dec 06
Location: North Yorks Drives: MK3 Seat Cupra
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31st Jan 08 at 22:54   View User's Profile U2U Member Reply With Quote
TPFT
waters
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Registered: 28th Jan 08
Location: Todmorden, West Yorkshire
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31st Jan 08 at 22:57   View User's Profile U2U Member Reply With Quote
I got a quote for my corsa (1.2 8v) £240 third party fire and theft or £250 fully comp.....only £10 difference so went fully comp
J100RSA
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Registered: 4th Mar 01
Location: Thornhill, West Yorkshire
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31st Jan 08 at 23:09   View User's Profile U2U Member Reply With Quote
i pay £90 a year for my insurance but that lets me drive social and domestic on the buissness insurance the premium for the garage is 3k and that all out public liabilaty all mine and my dads tools and 6 of us to drive any car my corsa jag and cally are naned on the policy as is my old mans porsche and merc
Robin
Premium Member

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Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
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1st Feb 08 at 01:01   View Garage View User's Profile U2U Member Reply With Quote
TPFT because I wouldn't claim if I bent my own car and no-one was hurt, so there's no gain in having FC cover.

Unless the car was over a certain value I guess.

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