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[nick v6]

ive just called the insurance company that the cow that hit my mig insures with
they just told me that she is only third party only
she told me she was fully comp

does that affect me in any way or my car being repaired
can anyone tell me please
ive only ever gone fully comp so i don't know where i stand with a lower group
thanks

[Gareth Lewis]

From what I know Nick as long as she was at fault and she hit you (namely the third party) then you should be OK.

[Jimbob]

doesnt affect you at all, YOU are the 3rd party she IS insured for.

What it means is she will have to pay for her own repairs, you are fully covered by her policy 

[Jimbob]

I'd think twice before branding her a liar....


From what youve said in this, and previous threads, she has indicated 1 thing, her husband another.

I would guess he does everything, and she doesnt really know, so is just mistaken, not deliberately misleading you.

[nick v6]

yes she was at fault and admitted it

she said she was fully comp and went on about how insurance company will just write her car off

i took no notice then

[Jimbob]

all you need to know, is that she has 3rd party insurance (being the minimum required, as it pays out to other people for damage caused by her)

3rd party fire and theft / fully comp are just nice to haves to reimburse her for any loss she causes, or unknown parties do to her car, is vandalise, steal, torch etc.

Bizarrely, I have had quotes in the past where fully comp is cheaper than the lesser policies!

Her car is none of her insuance companies business, what she does with it is her problem, they wont be giving her a penny!

[nick v6]

all you need to know, is that she has 3rd party insurance (being the minimum required, as it pays out to other people for damage caused by her)

3rd party fire and theft / fully comp are just nice to haves to reimburse her for any loss she causes, or unknown parties do to her car, is vandalise, steal, torch etc.

Bizarrely, I have had quotes in the past where fully comp is cheaper than the lesser policies!

Her car is none of her insuance companies business, what she does with it is her problem, they wont be giving her a penny!

thats ok then
i had a bad feeling when they said she was only third party that when the car goes in the garage that ill get a phone call off them saying you o us x amount of pounds for the work done as her insurance won't pay

[KillerWatt]

Don't be surprised if the insurance company (her insurance that is) try to go for a "knock for knock" even though she is 100% to blame, you've got a few more battles yet before you finally get your wonga.

In the meantime, I hope you've been to see the doctors, and I hope you have a brand new lease car on your drive if you had fully comp cover.

[Debs.]

ive just called the insurance company that the cow that hit my mig insures with
they just told me that she is only third party only
she told me she was fully comp

does that affect me in any way or my car being repaired
can anyone tell me please
ive only ever gone fully comp so i don't know where i stand with a lower group
thanks

Only just herd this news; `sounds like a load of bull and she should be told to pull the udder-one and stop milking it for what it`s worth.

[nick v6]

Don't be surprised if the insurance company (her insurance that is) try to go for a "knock for knock" even though she is 100% to blame, you've got a few more battles yet before you finally get your wonga.

In the meantime, I hope you've been to see the doctors, and I hope you have a brand new lease car on your drive if you had fully comp cover.

ive got fuly comp as have always gone fully comp
but if the car will only be gone a few days
i can use ann's car as i have got insurance on ann's car as well

[Plomien]

ive just called the insurance company that the cow that hit my mig insures with
they just told me that she is only third party only
she told me she was fully comp

does that affect me in any way or my car being repaired
can anyone tell me please
ive only ever gone fully comp so i don't know where i stand with a lower group
thanks

Only just herd this news; `sounds like a load of bull and she should be told to pull the udder-one and stop milking it for what it`s worth.

here is your coat debs.....

[Jimbob]

Don't be surprised if the insurance company (her insurance that is) try to go for a "knock for knock" even though she is 100% to blame, you've got a few more battles yet before you finally get your wonga.

In the meantime, I hope you've been to see the doctors, and I hope you have a brand new lease car on your drive if you had fully comp cover.

ive got fuly comp as have always gone fully comp
but if the car will only be gone a few days
i can use ann's car as i have got insurance on ann's car as well

sensible, you could hire any equivalent car (you would have to pay), but could claim this back off her insurance)  no point though if you dont need to.  The more insurance companies pay out, the higher next years premiums will be.

If only everyone claimed for what they need, then all our premiums would be lower 

[KillerWatt]

I don't think you quite understand what I'm getting at Nick.

As you are fully comp, you should already have the keys to a replacement car. When my car was driven in to back in 2001, I had a brand new (12 miles on the clock) Vectra delivered to my door less than 3 hours after the accident had occured and kept it until the claim was settled (which took 10 weeks).

[Jimbob]

I don't think you quite understand what I'm getting at Nick.

As you are fully comp, you should already have the keys to a replacement car. When my car was driven in to back in 2001, I had a brand new (12 miles on the clock) Vectra delivered to my door less than 3 hours after the accident had occured and kept it until the claim was settled (which took 10 weeks).

These days all you will get is a tiny car on your own insurance as courtesy.

Up to you to pay for better and claim back off 'at fault insurer' for the cost


You can normally save a few quid on the insurance premiums by saying you dont want a courtesy car as well 

I have, enough cars in the family that I can borrow one If needs be, would get a like for like equivalent if someone else was paying though (providing I was gonna need it)

[nick v6]

I don't think you quite understand what I'm getting at Nick.

As you are fully comp, you should already have the keys to a replacement car. When my car was driven in to back in 2001, I had a brand new (12 miles on the clock) Vectra delivered to my door less than 3 hours after the accident had occured and kept it until the claim was settled (which took 10 weeks).

i can have a hira car if i want one no problem
and i can have a hire car the same engine size to mine
but as ive got ann's ar to drive round in there's no point in going down the road filling in more paper work to drive a hire car for a few days if that