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[mantahatch]

Last time I claimed I got over book value

Ditto, only time I have ever had a car written off was an Opel Manta, cost me £700.00, insurance co offered me £1200.00 minus £30.00 if I wanted to keep the car.

I have also been told not to accept the first offer an insurance company makes you.

Mike

[Martin_1962]

5500 for a car worth under 5000

[FRE07962128]

Last time I claimed I got over book value

Ditto, only time I have ever had a car written off was an Opel Manta, cost me £700.00, insurance co offered me £1200.00 minus £30.00 if I wanted to keep the car.

I have also been told not to accept the first offer an insurance company makes you.

Mike

FC gives you cover no matter how damage/loss caused; it will provide a loan car whilst matters are sorted; it covers you for your windscreen, and covers you (TP) for driving other cars .  In addition my FC (via the AA) is only a few quid dearer ( £48 per month) than TPFT.  I believe FC is really worth it and for the peace of mind .

In fact my insurance has come down from  six years ago when I paid £86 per month    to cover a 3.0 Elite.

[hotel21]

Last time I claimed I got over book value

Ditto, only time I have ever had a car written off was an Opel Manta, cost me £700.00, insurance co offered me £1200.00 minus £30.00 if I wanted to keep the car.

I have also been told not to accept the first offer an insurance company makes you.

Mike

FC gives you cover no matter how damage/loss caused; it will provide a loan car whilst matters are sorted; it covers you for your windscreen, and covers you (TP) for driving other cars .  In addition my FC (via the AA) is only a few quid dearer ( £48 per month) than TPFT.  I believe FC is really worth it and for the peace of mind .

In fact my insurance has come down from  six years ago when I paid £86 per month    to cover a 3.0 Elite.

Take care....  This does not happen automatically!!  Read the small print!!

Both my son and daughter have fully comp policies for their cars but IT DOES NOT give the DOC (driving other cars) extension.  Thats how some companies pare off a few shillings to make the premium more competative on renewal....

Whats more, i have contacted numerous insurance underwriters during the course of my day to day work where the 'I'm fully comp and can drive anything' line is used.

You would be shocked at how many folks are not covered and get nicked as a result...  

[FRE07962128]

Last time I claimed I got over book value

Ditto, only time I have ever had a car written off was an Opel Manta, cost me £700.00, insurance co offered me £1200.00 minus £30.00 if I wanted to keep the car.

I have also been told not to accept the first offer an insurance company makes you.

Mike

FC gives you cover no matter how damage/loss caused; it will provide a loan car whilst matters are sorted; it covers you for your windscreen, and covers you (TP) for driving other cars .  In addition my FC (via the AA) is only a few quid dearer ( £48 per month) than TPFT.  I believe FC is really worth it and for the peace of mind .

In fact my insurance has come down from  six years ago when I paid £86 per month    to cover a 3.0 Elite.

Take care....  This does not happen automatically!!  Read the small print!!

Both my son and daughter have fully comp policies for their cars but IT DOES NOT give the DOC (driving other cars) extension.  Thats how some companies pare off a few shillings to make the premium more competative on renewal....

Whats more, i have contacted numerous insurance underwriters during the course of my day to day work where the 'I'm fully comp and can drive anything' line is used.

You would be shocked at how many folks are not covered and get nicked as a result...  

No, this can depend on the age of the young FC driver as to whether of not they can drive ANY other car  (I used to work in a Cornhill Direct call centre).

You are right   that it is always worth checking with your insurance company, and the person who owns the other car if they are happy to let you drive it under TP cover.  Can be better to go on their insurance!

Due to my age, gender and driving record, I don't have any problem  with any of this.

[Varche]

Oh to be able to actually choose have fully comp. In Spain once your car is "old" it isn't an option. Not worth it !!

So it is Third party, fire theft and windows for me. You insure the car not the person. Anyone can drive it so long as they are over 25. All insurance here compulsarily includes breakdown recovery.

The daft thing for me is the car is valued at - wait for it 5000 euros (about £4000!) When was the last time you saw any Elite ten years old make that sort of money? Course S/H cars here are daft money.

varche

[Andyb]

when i insured both my cars they refused 3rd party  as its not cost effective compared to fully comp
my omega is £22pm
vectra is 17pm
so i cant complain

[master-sambo]

depends what the car is worth at the end of the day!

Oddly i can get fully comp cheaper than third party!

I found the same thing, and it was quite a difference too.  Over 15%

[albitz]

a lot of insurance companies have abolished the cover to drive other cars in the last year or so,it,s worth checking before you do .

[amigov6]

Driving other cars is usually only automatic if you're over 25... (think i just slip in there!!) but only basic legal cover & what's commonly overlooked is the owner of the "other car" has to be insured for your ins. to cover the borrowed vehicle, ie:- if they're not insured for thier own vehicle you CANNOT drive it on your other vehicle clause.
  Some posts have said ins.cos. are thinking of withdrawing other car cover. I hope not as i sometimes drive friends cars.
    Another thing to check next renewal.

[FRE07962128]

Driving other cars is usually only automatic if you're over 25... (think i just slip in there!!) but only basic legal cover & what's commonly overlooked is the owner of the "other car" has to be insured for your ins. to cover the borrowed vehicle, ie:- if they're not insured for thier own vehicle you CANNOT drive it on your other vehicle clause.
  Some posts have said ins.cos. are thinking of withdrawing other car cover. I hope not as i sometimes drive friends cars.
    Another thing to check next renewal.

I have just renewed my insurance yet again through the AA and am insured by Provident Insurance  plc and I am still covered for driving other vehicles "not owned by policy holder".  This then is still the case with AA brokered insurance policies.