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[Shackeng]

Comp or TPFT? With the (monetary) value of our Omegas today, it seems hardly worth paying fully comp, even though TPFT is not much cheaper. In my case having two Omegas I don't want to drive some c@#*py courtesy car anyway, and any shunt will almost certainly trigger a write -off.
Any thoughts?

[russ0205]

Had the same thoughts when i had a mig only thing i found was the price between f/c and 3rd party was about 20quid so in my case wasnt worth the gamble,

 

[Shackeng]

£20 = 6 pints! My feeling is that any claim under comp. would trigger a write off, and as long as I can get minor shunts repaired for under a grand, it is not worth paying even the extra £20. So TPFT just ensures that I'm legal.

[the alarming man]

tbh 3 rd tpft can work out a lot more expensive ...they wanted to charge me £ 40 more than fully comp...

[Shackeng]

My on-line quotes are all somewhat cheaper.

[Lazydocker]

Depends on personal situation and quotes... I've always gone FC because there was no/minimal price difference for me

Now on full trade policy and TPFT would be considerably cheaper but doesn't give the cover I require for customer's cars

[geoffr70]

tbh 3 rd tpft can work out a lot more expensive ...they wanted to charge me £ 40 more than fully comp...

I think sometimes tpft is more expensive than FC because the reasoning is if older cars like omegas are insured for the lowest price possible, they will not be looked after and/or driven in such a way it is deemed a higher risk by the insurer due to the lower value of the car.

[Jimbob]

windscreen cover can be worth that £20 imho

[Lazydocker]

windscreen cover can be worth that £20 imho

Indeed, although if you can find a small, local independent fitter (like I have) the cost of a replacement screen is much more reasonable 

[aaronjb]

windscreen cover can be worth that £20 imho

Indeed, although if you can find a small, local independent fitter (like I have) the cost of a replacement screen is much more reasonable 

Still a lot more than £20 (over 10x more, in fact, in my case)

[Lazydocker]

windscreen cover can be worth that £20 imho

Indeed, although if you can find a small, local independent fitter (like I have) the cost of a replacement screen is much more reasonable 

Still a lot more than £20 (over 10x more, in fact, in my case)

But claiming for a windscreen on insurance costs more than £20

[aaronjb]

True, £70 or £100 I think the excess is on my other policy - £70 excess would have been better than £270 for a new screen, though

(Not including any bump in premium next year, of course..)

[Lazydocker]

True, £70 or £100 I think the excess is on my other policy - £70 excess would have been better than £270 for a new screen, though

(Not including any bump in premium next year, of course..)

That's the rub They claim it has no impact but I bet it does

£270 is steep though... Been quoted sub £200 including all new trims too

[Ken T]

The screen I had fitted to my last Mig was just over £100. I paid it myself so no effect on my insurance, and it only cost £25 more as my excess is £75.

Reason why I go with fully comp is if some uninsured driver hits me (  and drives off  ).

I guess some areas are worse than others..........

Ken

[aaronjb]

£270 was from a recommended independent too - Autoglass quoted near £500..