Fully comp of TPFT

[Steve-O 2007]

Its renewal time and Aplan has increased by £266!! (£1375 compaired to £1109 last year)

Adrian Flux say £1,130 Fully Comp which isnt bad but still I have an extra 1 years NCB so thought it would be better...

Sky can do it for £792 TPFT saving £338 but excess of £350

Flux said they can do TPFT and will beat Skys TPFT price and also reduce the excess to £150

Sky will put me with Markerstudy, Flux will put me with Highway insurance

Now I need to decide TPFT or Fully Comp!!

Due to the age and the market value of the car I was swinging towards TPFT. If I did go FC and have a crash just involving myself then I dont think I would claim for my car anyway as A. I will loose my NCB, B. I will have another claim against my name and C. I will need to pay out a £400 excess as well anyway. BUT if I did hit someone then I loose my NCB and still have another claim against me anyway but at least I would get either my car fixed or payed out if I went FC....

.......... God I hate Renewal time lol

[foxy-stoat]

If you total your car you will be able to salvage a few hundred pounds for the bits, maybe a lot more, or use secondhand bits to fix.

If you take off the excess and the "insurance undervaluation" factor, you wont miss the FC cover.

I would go TPFT, if you can get windscreen and Uninsured Loss Recovery as well, then the only cover you wont have is if you smash it to bits yourself.

Maybe TPFT wont give you driving other cars extension, but thats no biggy if your under 25 as you probably wont have that anyway.

[Phill P]

What about classic car insurance, mine is with classic line 280 with 250 excess,or could have done another place at 499 for normal insurance.

car has mild mods

[Torero]

If you total your car you will be able to salvage a few hundred pounds for the bits, maybe a lot more, or use secondhand bits to fix.

If you take off the excess and the "insurance undervaluation" factor, you wont miss the FC cover.

I would go TPFT, if you can get windscreen and Uninsured Loss Recovery as well, then the only cover you wont have is if you smash it to bits yourself.

I'm with Wayne on this, take TPFT and bank the money but be sensible about legal cover. Like you say, you wouldn't claim if it was your fault on the majority of dings you have so you are only covering yourself for the rare event of totalling it.

@Phill P - A good shout but you may be restricted to a mileage ceiling of around 5k a year. However, worth it if the premium comes down drastically.

[Nails]

Just remember if you have a crash were you are blaming the other person but they are blaming you, then you will be left without a payout or a car for months and months until it is settled.
I believe tpf. Is ok only if you have the use of another vehicle of could afford to buy another car in the meantime of getting a payout.

[Razor04]

fully comp of tpfc ????????

[Steve-O 2007]

fully comp of tpfc ????????

??

[Razor04]

fully comp OF tpft??????

hint: OR

[foxy-stoat]

Just remember if you have a crash were you are blaming the other person but they are blaming you, then you will be left without a payout or a car for months and months until it is settled.
I believe tpf. Is ok only if you have the use of another vehicle of could afford to buy another car in the meantime of getting a payout.

If its a clear cut case then many of the credit hire/repair crocks can help you out. If it was a split liability case like a prang on a roundabout or something then I would go back to my other statement where you wouldnt claim for your losses anyway as the excess, additional premium the following year and the low values of MR2's would make claiming for a total loss uneconomical. You would just get your smashed car, take the bits off that you can sell and scrape the rest....Thats IF you had an accident, IF liability was in dispute and IF its damaged beyond repair.

Lots of IF's there!

So if you can save £500 a year based on the above, go TFPT. Hell, take the £500 you would save, buy premium bonds, if you dont have an accident then you still have the £500, and you may win something !!!!

[Steve-O 2007]

fully comp OF tpft??????

hint: OR

aww ffs lol didnt see that one i just saw the "tpfc" mistake lol...

[Torero]

So if you can save £500 a year based on the above, go TFPT. Hell, take the £500 you would save, buy premium bonds, if you dont have an accident then you still have the £500, and you may win something !!!!

Now you can see why I parts of this guy. Sheer brilliance

[SuperRedMR2]

Adrian Flux can protect your NCB on TPFT

[Steve-O 2007]

Adrian Flux can protect your NCB on TPFT

dont you need a certian amount of ncb before you can protect them??

[SuperRedMR2]

That I don't actually know.

How old are you if you don't mind me asking? You're premium seems a bit high to me

[Steve-O 2007]

23 with 2 years ncb and a fault claim (24 when it starts)

[RST]

I can only say whatever the cover, I was with Flux for years then went with Sky since and never looked back. Looking back Adrian Flux (AF) were so much hassle I can't believe I stuck with them that long, they also "offered" allot more than the black and white paperwork said it offered (the policy was worth a fart in the wind). AF= never trust a word they say ever!!!!! Have been through that with them so many times now as an existing customer / new customer with a new car they're crooks and shylarks and not to be trusted whereas other insurers have stood their ground and not promised the world and delivered nothing.

[Martin F]

Its renewal time and Aplan has increased by £266!! (£1375 compaired to £1109 last year)

Adrian Flux say £1,130 Fully Comp which isnt bad but still I have an extra 1 years NCB so thought it would be better...

Sky can do it for £792 TPFT saving £338 but excess of £350

Flux said they can do TPFT and will beat Skys TPFT price and also reduce the excess to £150

Sky will put me with Markerstudy, Flux will put me with Highway insurance

Now I need to decide TPFT or Fully Comp!!

Due to the age and the market value of the car I was swinging towards TPFT. If I did go FC and have a crash just involving myself then I dont think I would claim for my car anyway as A. I will loose my NCB, B. I will have another claim against my name and C. I will need to pay out a £400 excess as well anyway. BUT if I did hit someone then I loose my NCB and still have another claim against me anyway but at least I would get either my car fixed or payed out if I went FC....

.......... God I hate Renewal time lol

And you were looking at evo's,

Always fully comp, at the end of the day it's your pride and joy and you never know what's lurking around that corner, better safe than sorry

[S A Watt]

Hi mate

As an insurance broker i would have to say go for comp.

It gives you peace of mind and if anyone hits your car and drives off then your covered.

Protected NCB is only normally available with full no claims.

I would look at trying to get the car on a classic Policy as i have me mk1 on and my mk2 which i am about to put it on. They will want you to restrict the miles to maybe 5000. If you have lots of mods then not an option, straight forward thuigs like wheel or ss exhaust should be fine though

If you want more than that then go to sky. Ollie seems very good.

My classic Policies are through a specialist market with Peter Best.

Im up in the north east of scotland age 38 and my quote on the mk2 NA with 5000 miles, agreed value and breakdown is £210.

Not saying the same in your area but if not much miles then go classic if more go sky.

Only my humble opinion of course.

Shane

PS Richard man who let you out . Dont think Flux would let you write a testimonial for them. Only kidding mate. catch up soon

[Steve-O 2007]

And you were looking at evo's,

yea but its different, I wouldnt have minded paying the extra insurance on the Evo, Persoanlly I see it as a £12k car with £1.5k insurance or what ever I could justify, but paying £1.1+k on a car with a basic market value of probably only £2k now I just dont think its worth it... My uncle was only offered £2.6k for his 52 plate 3 Series Conv!!

Its a strange way to look at it but thats just what I think.

[MID LIFE CRISIS]

Give Classic Line a call 01455639000 . A good few on here use them now and well pleased with their quotes .