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Adam C

Premium Member

Registered: 10th Jan 07
Location: Cornwall UK Drives:Arden Blue Gsi T
User status: Offline

7th Sep 09 at 23:02

Well after the reception I got when I mentioned i would only be going tpft on my Astra Gsi, I decided to do alot of shopping around and managed to get a fully comp qoute of £1700 a year, which was only £300 more than my previous qoute with the same company on tpft.

Just had a couple of questions which I couldn't see answered on the website.

The company are called "Performance Direct", was abit worried as I hadn't heard of them before, but all the major compare sites seem to use them and have always given me the best qoutes, anyone on here used them before?

Also as Ive never been fully comp before I have heard your entitled to drive other cars, is this an always or is this just with certain companies?
And is there any stipulations to using other cars? Do they have to be under a certain engine size or value?

As i have an astra mk4 van I use at the minute which I wouldn't mind still being able to use if I could.

Thanks in Advance

My Arden Blue Astra GSi MK4 on BBS LM's Project Thread

John

Member

Registered: 30th Jun 03
User status: Offline

7th Sep 09 at 23:04

Driving other cars is only if it says on the policy, there's a 99% chance you won't have it.

Some companies apparently have stipulations but I've never seen any on my policy, barring you can't own it.

Richardhhha

Member

Registered: 29th Sep 07
Location: Croydon, Greater London
User status: Offline

7th Sep 09 at 23:06

almost all insurance companys wont allow you to drive any other vehicle under 3rd party untill your 25 which is a total shit..

only one i know of who does let you drive other vehicles under the 3rd party rueling is quinn

sand-eel

Member

Registered: 15th Mar 07
Location: carluke/braidwood--IRNBRULAND
User status: Offline

7th Sep 09 at 23:06

Do you want to spend £1700 on insurance?

Adam C

Premium Member

Registered: 10th Jan 07
Location: Cornwall UK Drives:Arden Blue Gsi T
User status: Offline

7th Sep 09 at 23:07

I didn't see it mentioned when I got the qoute so I will ask when I ring them.

No real loss with the van, just would have been a bonus if I was able to use it when I needed to.

Who are you insured with John?

My Arden Blue Astra GSi MK4 on BBS LM's Project Thread

Adam C

Premium Member

Registered: 10th Jan 07
Location: Cornwall UK Drives:Arden Blue Gsi T
User status: Offline

7th Sep 09 at 23:10

sand-eel - yep Im happy to, I was paying £1500 tpft on my green corsa when i passed my test, and I can afford it no problem, only reason I didnt want fully comp before was the fact that the qoutes I was getting where around £2500, but now Ive found cheaper Im more then happy to.

Im 19 with 2 years ncb by the way

My Arden Blue Astra GSi MK4 on BBS LM's Project Thread

John

Member

Registered: 30th Jun 03
User status: Offline

7th Sep 09 at 23:10

Bell I'm with, they are stopping the drive other cars under 25 from now though afaik

Adam C

Premium Member

Registered: 10th Jan 07
Location: Cornwall UK Drives:Arden Blue Gsi T
User status: Offline

7th Sep 09 at 23:13

I will give bell a try just out of interest.

Cheers for the advice guys

My Arden Blue Astra GSi MK4 on BBS LM's Project Thread

DaveyLC

Member

Registered: 8th Oct 08
Location: Berkshire
User status: Offline

7th Sep 09 at 23:14

Whats wrong with TPFT? Other than windscreen cover what else does FC give you that you really give a shit about?

I only ever got FC on cars with a high value other wise its just waste of money.

Boycey

Member

Registered: 30th Dec 07
Location: Buckhaven, Fife
User status: Offline

7th Sep 09 at 23:14

Quinn direct FTW! I'm 3rd party and they let me drive other cars with the owners permission. No age restriction either

Adam C

Premium Member

Registered: 10th Jan 07
Location: Cornwall UK Drives:Arden Blue Gsi T
User status: Offline

7th Sep 09 at 23:16

Davey - Ive always been on tpft, but considering I just paid £6k for an astra gsi and Ive got good qoutes IMO for fully comp. I would rather just play it safe.

Boycey - Im with quinn at the moment tpft

[Edited on 07-09-2009 by Green Thing]

My Arden Blue Astra GSi MK4 on BBS LM's Project Thread

Adam C

Premium Member

Registered: 10th Jan 07
Location: Cornwall UK Drives:Arden Blue Gsi T
User status: Offline

7th Sep 09 at 23:18

Ah bollocks, just checked my documents and it says I can

Already tried insuring the Gsi with quinn and they said I had to be 31 minimum to drive the Gsi

My Arden Blue Astra GSi MK4 on BBS LM's Project Thread

John

Member

Registered: 30th Jun 03
User status: Offline

7th Sep 09 at 23:25

quote:
Originally posted by DaveyLC
Whats wrong with TPFT? Other than windscreen cover what else does FC give you that you really give a shit about?

I only ever got FC on cars with a high value other wise its just waste of money.

What if fully comp is cheaper than tpft like is often the case now?

What's high value? I'd say it's worth it on any car that's worth more than what fully comp costs extra on the insurance.

Colin

Member

Registered: 4th Apr 02
User status: Offline

7th Sep 09 at 23:28

31 to drive a GSi - whit!

If your ok with the prospect of losing 6k if you crash then go tpft, if not go fc....simples

Kurt

Member

Registered: 23rd Oct 05
Location: Hi
User status: Offline

8th Sep 09 at 06:44

Have you added any named drivers? Get your parents on there

Should bring it down at least £300

and 1700 for an astra gsi

i got a quote of 1200 on a 350z I'm only 22 with 1 year ncb and an sp30, that's with admiral btw, elephant were pretty good too

[Edited on 08-09-2009 by Kurt]

DaveyLC

Member

Registered: 8th Oct 08
Location: Berkshire
User status: Offline

8th Sep 09 at 06:58

quote:
Originally posted by John

quote:
Originally posted by DaveyLC
Whats wrong with TPFT? Other than windscreen cover what else does FC give you that you really give a shit about?

I only ever got FC on cars with a high value other wise its just waste of money.

What if fully comp is cheaper than tpft like is often the case now?

What's high value? I'd say it's worth it on any car that's worth more than what fully comp costs extra on the insurance.

If FC is cheaper go for it, but if it isnt and the car is low value why bother? If someone hits you, you claime of them, if you bin it tough!

nathy_87

Member

Registered: 14th Aug 08
Location: West Mids. Drives: Škoda Fabia VRS 5J
User status: Offline

8th Sep 09 at 08:27

Tried Zurich?

Member

Registered: 10th Sep 03
User status: Offline

8th Sep 09 at 08:38

Virgin will apparently let me drive other cars, though the policy documents haven't yet materialised so I can't confirm that.

Member

Registered: 10th Sep 03
User status: Offline

8th Sep 09 at 08:42

quote:
Originally posted by Kurt
Have you added any named drivers? Get your parents on there

I still can't understand how this makes the insurance cheaper. Been looking at quotes and adding the old man brings the quote down by £500

DaveyLC

Member

Registered: 8th Oct 08
Location: Berkshire
User status: Offline

8th Sep 09 at 10:43

They work on the basis that the named drivers will all use the car, so if someone of a lower risk is using the car some of the time the over-all risk comes down..

My old-dear is on one my policies because she borrow's the car once in a while and it puts it UP by a tenner lol

GTM

Member

Registered: 24th Nov 08
Location: Kingswinford, West Midlands
User status: Offline

8th Sep 09 at 10:52

quote:
Originally posted by Boycey
Quinn direct FTW! I'm 3rd party and they let me drive other cars with the owners permission. No age restriction either

same here but am i rite in thinking only other tpff cars not fully comp cars?

Member

Registered: 9th Aug 02
Location: Southend, Essex Drives: Mini Cooper S
User status: Offline

8th Sep 09 at 11:07

Being old ftw. I'm 25 now and only have third party but I can drive all over cars too

M2RTY

Member

Registered: 25th May 01
User status: Offline

8th Sep 09 at 11:11

quote:
Originally posted by ed
Virgin will apparently let me drive other cars, though the policy documents haven't yet materialised so I can't confirm that.

couldnt for me @ 25

M2RTY

Member

Registered: 25th May 01
User status: Offline

8th Sep 09 at 11:12

i was with CIS fully comp when I was 17-20 and I could drive other cars

i was with HIC only TPFT from 20-22 and could drive any other cars

i kept the corsa with HIC from 22-26 still only TPFT and I can still drive any other cars

the BMW was with Virgin for the last 3 or 4 years but they wouldnt let me drive any other cars (dont care as HIC policy covers me anyways)

Boycey

Member

Registered: 30th Dec 07
Location: Buckhaven, Fife
User status: Offline

8th Sep 09 at 11:35

quote:
Originally posted by GTM

quote:
Originally posted by Boycey
Quinn direct FTW! I'm 3rd party and they let me drive other cars with the owners permission. No age restriction either

same here but am i rite in thinking only other tpff cars not fully comp cars?

It doesn't matter what policy the other cars have. As long as there is at least third party insurance on them. Quinn are actually pretty good. The only down fall is they charge £250 excess for anyone under 25

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