Third party , Fire and Theft vs. Fully Comprehensive

[Sebastian]

we are curently on a TPFT policy with Quinn and i'm thinking to upgrade to fully comp.

from your experience is it worth it ? is this going to be better as an insured?

[Bernard]

If there isn't a lot in the difference then I would.
It'll give you peace of mind, just in case something bad happens...(fingers crossed)

[kevinod]

There generally isn't much of a difference price wise, but I think it comes down to with comprehensive, in the event of a claim, you're entitled to more benefits like rental car while yours is being repaired, but it really depends on the insurer.

Only way to decide is ask your insurer what the difference in the 2 policies are I reckon.

[Muad_dib77]

with tp you're not covered if an uninsured driver hits you..atleast with some companies.. a friend of mine found out the hardway what she was hit by a disqualified drunk driver ( I kid you not!)

Also should you be unfortunate enough to be in a single vehicle accident there is no cover on tp...

I'm fully comp ALL the way..better "as safe a possible" than sorry..

[Dean]

Nononononononono

Fully comp all the way, my GS got written off by an uninsured driver, and while AXA were PRICKS, I at least got my money.

I would have been out in the cold without it.

[Sebastian]

thread resurection

as i kept the TPFT policy for the last 2 years and this year the renewal came down about 2 hundred yoyos , went today and asked for a quote as fully comp .

the diference between them is almoust 400 eur .

thoughts ?

[steelroe]

I think given the age of the FTO now you have to weigh up if it is really worth going fully comp. However if you have an accident (god forbid) and are at fault you cannot claim for your own vehicle damage with TPFT.
Also windscreen cover on the FTO can be axpensive.

That being said I have fully comp on all my vehicles.

[colm_mcm]

I think you should go fully comp.

[mcgon1979]

I used Quinn to replace my front bumper seb. would have cost me about an arm and a leg going it alone (1500 on parts OEM alone). If your bonus is not protected your premiums will rise even on a TPFT claim against you, so yuo may as well have the full cover to fiz your car at the same time if anything every happened. as it was, quinn were grand in the end, paid the 2 or 3k on the claim, and my premiums didn't go up either. well worth having.