Fully comp or continue with 3rd party F&T?

Ricochet J · 28 Jun 2009 at 20:23

At the moment I'm on 3rd party F&T. At renewal time the insurance more than halfs if I continue on 3rd party F&T. However, if I put £100 extra, I can get fully comprehensive cover.

When I first took out my cover, for fully comprehensive, it was £1000 extra! :eek:

What are the advantages of fully comprehensive cover? Will it bring next years premium down more than 3rd party F&T if I take this kind of cover?

Thanks

MagicBoy · 28 Jun 2009 at 20:31

What car, and what's it worth?

Ricochet J · 28 Jun 2009 at 20:33

Does it even matter? Focus 1.6. Around £2000 if I'm optimistic.

Sparky · 28 Jun 2009 at 20:37

Can you afford to replace it at £2000 if you write it off? If not get fully comp imo

MagicBoy · 28 Jun 2009 at 20:37

Ricochet J said:
Does it even matter? Focus 1.6. Around £2000 if I'm optimistic.

Yeah. If it's £500 of Punto then leave it on TPFT as it's not worth the extra outlay on what's basically a disposable car. For a £2k focus I'd go fully comp.

Fully comp basically covers you for an accident that's your fault and vandalism etc. TPFT does what it says on the tin.

Peerzy · 28 Jun 2009 at 20:38

Ricochet J said:
Does it even matter? Focus 1.6. Around £2000 if I'm optimistic.

No point paying £3000 to fully comp a car worth £250 and stupid to tpf&t a car worth £10000.

I'd Fully comp personally.