whats the point? a pizza delivery driver came straight out off a junction.
hit my wifes car,at 9.30pm insurance company have wrote it off.
car cost 500 ,insurance550 fully comp,theyve offerred 250 wot is the point of paying full comp?(other driver admitted fault)

Don't get me started on car insurance!

I'm 20, cant afford my own insurance, it would be worth more than my car. I have no claims and no points on license, been driving just short of three years now. I have handed my mum 2 (almost 3) years NCB for two cars she has driven about eight times each.

I know a lot of young drivers crash a lot, but can't there be a fairer way of deciding premiums?

i agree my son is 18 pays a fortune, what im trying to get at is, insurance co s cant fail its legal theft

If you have just past your test, it's worth taking the Pass Plus, as it took over £300 off my insurance!! Although the insurance is still costing more than the car!!

im 42yrs ex army lgv pass plus wont help but thanx 4 input

Originally posted by qazitory
If you have just past your test, it's worth taking the Pass Plus, as it took over £300 off my insurance!! Although the insurance is still costing more than the car!!

wish i had now, but dont yu have to take it within a year of passing?

Originally posted by ianl
whats the point? a pizza delivery driver came straight out off a junction.
hit my wifes car,at 9.30pm insurance company have wrote it off.
car cost 500 ,insurance550 fully comp,theyve offerred 250 wot is the point of paying full comp?(other driver admitted fault)


Paying fully comp on a £500 car is totally unnecessary though. If the car is worth more than a few grand, go for fully comp, but anything less just have 3rd party fire and theft. Since it was the other drivers fault, the 3rd P F&T would still have covered you for the same (pitiful) £250 offer, but at least you'd not have been paying them £550 a year for the privilege.

Lets face it, car insurance is a big con full stop. Don't even get me started on the no claims bonus. I think it should be abolished.

Originally posted by qazitory
If you have just past your test, it's worth taking the Pass Plus, as it took over £300 off my insurance!! Although the insurance is still costing more than the car!!

wish i had now, but dont yu have to take it within a year of passing?

This is a common misconception. It is obviously better if you do it in the first year, but very often if you speak to your insurance company, they may allow you do it after that period.

I had a pupil recently who, by doing Pass Plus with me, saved over £1300 on his insurance - it still cost him an arm and a leg though.

The cost of insurance is ridiculous but part of the reason you pay so much is that some of the premium goes into a special fund to compensate people who are hit by uninsured drivers. So effectively you are paying for someone else NOT to have insurance. So if you do know someone who doesn't have insurance, it is to your own bebefit to report them.

Not all driving instructors are licenced to do Pass Plus anad if anyone wants any further info on it, go to http://www.horizonschoolofmotoring.co.uk/pass_plus.htm

Originally posted by Saxon

I had a pupil recently who, by doing Pass Plus with me, saved over £1300 on his insurance - it still cost him an arm and a leg though.


What was he driving, a 911 parked on the street on the Manor?!?!

The most important thing about car insurance is that if you hit someone, and seriously injure them, they then decide to sue you because they can no longer work, your insurance company has to pay the damages to the other person.

Thats why premiums are high.

Originally posted by t020
Paying fully comp on a £500 car is totally unnecessary though. If the car is worth more than a few grand

Not necessarily! In some cases fully comp can be cheap than TPF&T, silly I know but it happens.

Ian, how bad is the damage to your car? Sometimes it isn't that bad, and would cost only a few pound for bits from the scrapyard to repair it.

The insurance company more often that not for a car of that value will write it off, but they can let you keep it for free or let you buy it back for a nominal fee depending on the insurance company.

Also if you have only just bought the car for £500, you can alwayts not except their first offer (which will always be low) and argue the case that the car was worth more.

Originally posted by Skatiechik
Not necessarily! In some cases fully comp can be cheap than TPF&T, silly I know but it happens.



Rubbish. When all other parameters are the same, e.g. make, model, engine, driver details, postcode, security, etc. TPF&T will always be cheaper than fully comp. I challenge you to find an example of when it isn't, by carrying out a few example online quotes. I don't want any "my mate said..." either. I want consistent parameters for everything other than the type of cover, and obviously from the same insurer. Then I might believe you, but I doubt you'd find an example when fully comp is cheaper.

Originally posted by t020
Rubbish. When all other parameters are the same, e.g. make, model, engine, driver details, postcode, security, etc. TPF&T will always be cheaper than fully comp. I challenge you to find an example of when it isn't, by carrying out a few example online quotes. I don't want any "my mate said..." either. I want consistent parameters for everything other than the type of cover, and obviously from the same insurer. Then I might believe you, but I doubt you'd find an example when fully comp is cheaper.

It is not rubbish, you are talking out of your arse again.
He will most probably tell you himself but a couple of years ago Nomme got a deal from the same company that made it cheaper to have Fully Comp on a car than it was to have 3PF+T.
My new insurance was only £10 difference, so mine is fully comp, because the cover was better. I also found a company that would give me discount for being on other people insurance for 8 years and having no claims.
I do agree though that premiums are ridiculous and things have to be done about people that drive without insurance, like a ban and then take their test again/crush their car it is obviously worth nothing to them anyway.

TPFT has always been £50-£100 cheaper than fully comp. in every single year i've been driving (1992-present).

While we're discussing it, I added my GF as a named driver to my insurance yesterday when it was up for renewal and it made it £32 cheaper!

I did Pass Plus when i passed and it saves me £1700 on car insurance (53%) or equivalent to 1 yrs NCB.

1Man&HisBMW

Originally posted by t020
Rubbish. When all other parameters are the same, e.g. make, model, engine, driver details, postcode, security, etc. TPF&T will always be cheaper than fully comp. I challenge you to find an example of when it isn't, by carrying out a few example online quotes. I don't want any "my mate said..." either. I want consistent parameters for everything other than the type of cover, and obviously from the same insurer. Then I might believe you, but I doubt you'd find an example when fully comp is cheaper.

It's not rubbish. I always spend ages looking for the cheapest car insurance every year.. including ringing round and searching online. This year the cheapest I could find was fully comprehensive.

Originally posted by Patchy
It's not rubbish. I always spend ages looking for the cheapest car insurance every year.. including ringing round and searching online. This year the cheapest I could find was fully comprehensive.

Did you try the same company, with all the exact same details, but only change the insurance type? If so, then I will stand corrected - though it's bloody stupid that TPF&T can be cheaper than fully comp in some cases.

Hence why I said in my original post........

silly I know but it happens

Originally posted by t020
Did you try the same company, with all the exact same details, but only change the insurance type?

Yes I did. Although it is a bit pointless as I don't need comprehensive as my rust bucket isn't worth much!

Originally posted by t020
Rubbish. When all other parameters are the same, e.g. make, model, engine, driver details, postcode, security, etc. TPF&T will always be cheaper than fully comp. I challenge you to find an example of when it isn't, by carrying out a few example online quotes. I don't want any "my mate said..." either. I want consistent parameters for everything other than the type of cover, and obviously from the same insurer. Then I might believe you, but I doubt you'd find an example when fully comp is cheaper.

I've just shopped around for some quotes and found that one of the quotes out of about 20 i got was more for tpft than fully comp!!
Crazy i know,but it does happen......

Moved to General chat.

the point isn't really to protect you and your investment (although fully comp goes some way towards that). It's to protect someone else that you may run into. Afterall, your car may be a £500 rust bucket, but you could still right off a ferrari with it.

In the original post about the van hitting the car. Is the offer for £250 from your own insurance company or from the other party?

Work pays it so I dont mind :D :thumbsup:

Originally posted by t020
Did you try the same company, with all the exact same details, but only change the insurance type? If so, then I will stand corrected - though it's bloody stupid that TPF&T can be cheaper than fully comp in some cases.

Yep I had a quote from the AA, fully comp was £1000, and TPF+T was £1100. Although I rang round and got TPF+T down to £616 in the end. So it pays to do sum research!!