3rd party F&F vs Fully Comp whats best?

The_Raven · 9 Jul 2007 at 17:50

Hi all ive been thinking about going fully comp insurence as its only £100-£150 more and you do get what you payfor

but that aside if i had 3rd part F&F would i be covered to drive someone elses car? like you are with fully comp?

Insurence comp guy said i could but he sounded "green"

SoliD · 9 Jul 2007 at 17:52

The_Raven said:
Hi all ive been thinking about going fully comp insurence as its only £100-£150 more and you do get what you payfor

but that aside if i had 3rd part F&F would i be covered to drive someone elses car? like you are with fully comp?

Insurence comp guy said i could but he sounded "green"

depends really with FC you will have the value of your car paid back to you minus excess if a crash is your fault. so if your car is worth next to nothing no point in having FC.

DOC cover is a different matter and depends upon your policy. different insurers have different rules + regs.

MrSix · 9 Jul 2007 at 17:54

What car is it that you are insuring?

I worked it out and due to me being a young driver, if I had anything worth less than £1000, it wouldn't be worth me going full comprehensive due to the whopping excess the insurers whack on for the first few years.

As it happens, my car is worth £4k, so full comp was a no brainer.

The_Raven · 9 Jul 2007 at 17:55

cars a AX worth about £300-500 mines top end of this its Mint

EDIT

Male 25 lives within 10mins drive of M25 Year of car 1994

Luke · 9 Jul 2007 at 17:57

I work on the basis that unless the car is worth more than about £3k, I won't insure it FC. Take into account the excess, then the inflated insurance premiums for up to 5 years following a claim, it probably wouldn't be worth it for me to claim on a FC policy.

Luke · 9 Jul 2007 at 17:57

The_Raven said:
cars a AX worth about £300-500 mines top end of this its Mint

EDIT

Male 25 lives within 10mins drive of M25 Year of car 1994

Fully comp? Are you kidding???

Glaucus · 9 Jul 2007 at 18:00

unless you need DOC cover then fully comp aint worth it at all, as your excess is the same as the car.

Also remember most insurance companies don't automatically include DOC cover any more. Even with FC policies.

Clarkey · 9 Jul 2007 at 18:00

F&F? Fast and furious insurance? Sounds amazing!

On a more serious note, that £150 extra will buy another Citroen AX, so completely pointless unless you actually intend to crash it.

The_Raven · 9 Jul 2007 at 18:01

emailiscrap said:
Fully comp? Are you kidding???

Fully comp is (for me) £641 a year 3rd Party F&F £400 a year so not too much in it

Glaucus · 9 Jul 2007 at 18:01

The_Raven said:
Fully comp is (for me) £641 a year 3rd Party F&F £400 a year so not too much in it

F&T, it's fire and theft.

The_Raven · 9 Jul 2007 at 18:02

Clarkey said:
F&F? Fast and furious insurance? Sounds amazing!

On a more serious note, that £150 extra will buy another Citroen AX, so completely pointless unless you actually intend to crash it.

Naw can get them for free untill the cows come home MmmmOOooooo

Duke · 9 Jul 2007 at 18:02

I wouldn't bother on an AX.

al123 · 9 Jul 2007 at 18:10

Tbh if the car is only worth £300 you many as well just insure it TPFT.

The_Raven · 9 Jul 2007 at 18:18

yea thinking i should after making this thead

but if we could get back to the Q i asked can i drive other cars on TPFT

InvaderGIR · 9 Jul 2007 at 18:25

AcidHell2 said:
unless you need DOC cover then fully comp aint worth it at all, as your excess is the same as the car.

Also remember most insurance companies don't automatically include DOC cover any more. Even with FC policies.

Lots of companies do DOC cover on TPFT anyways, so FC is normally not worth it unless you have a car >£1k.

To the OP, go TPFT, and check with your insurer if you get DOC, then once the paperwork comes through, check it again to make sure you do (if they say you have it). My girlfriend was under the assumption that she had DOC, till she fully read her paperwork.

InvG

The_Raven · 9 Jul 2007 at 18:27

ok am sounding like a noob whats "DOC"??

Glaucus · 9 Jul 2007 at 18:29

The_Raven said:
ok am sounding like a noob whats "DOC"??

Thats what you want, DOC allows you to drive other cars on your insurance policy.

If you want DOC, then ask for it, as a lot don't provide it automatically even on FC policies.

PeterNem · 9 Jul 2007 at 18:30

DOC is an acronym which I believe stands for "Drive Other Cars"

Just because you go fully comp doesn't mean you automatically get DOC.

InvaderGIR · 9 Jul 2007 at 18:32

PeterNem said:
DOC is an acronym which I believe stands for "Drive Other Cars"

Just because you go fully comp doesn't mean you automatically get DOC.

Yup.

As I stated, my girlfriend thought she did (i'm sure she is on FC) and it turns out she doesn't...but then she's 20 with a claim and a conviction, so she's less likely to be allowed it anyways.

You can get it on TPFT with some companies, so get quotes online, then phone them up and speak to them about it.

InvG

The_Raven · 9 Jul 2007 at 18:33

AcidHell2 said:
Thats what you want, DOC allows you to drive other cars on your insurance policy.

If you want DOC, then ask for it, as a lot don't provide it automatically even on FC policies.

arh cheers ill ask for that now i know

i'll go tpff its coming up a bit cheeper and then ask for the doc