Third Party Fire and theft on a 182?

[medici999]

Would you all say this is daft?

 

[Kat@Renparts]

I'm only 3rd party F&T on my 182, but Im only 20 and can't really afford/justify the cost for fully comp. Plus, my bf owns a clio breakers yard so if I smash it Il sell it to him & he can break it! *Hopefully that won't happen though!*

 

[medici999]

ahh ok..and how much are you paying>? im still getting quotes of 1500ish

 

[Bluebeard]

Before i start...if i dont have a new car with pictures posted by the 7th June you can BAN me from the forum.

Tick tock tick tock......

 

[medici999]

Tick tock tick tock......

i have got bloody ages yet!

 

[The Boosh!]

Tick tock tick tock......

It's in my iCal Daniel x

 

[Kat@Renparts]

Tick tock tick tock......

lol at that

and to the OP, not sure what it will be come renewal, i only got the car at the end of april so paid an extra 112 to be insured until 19th june. (it was about 600 on a 1.25 fiesta before that)
Done a few quotes, reckon Il be looking at about 1200, but since I'm commuting to uni next year my dearest father has said he will contribute :approve: :star: yay!

 

[Bluebeard]

I bet you haven't got one!

 

[medici999]

we shall see!

 

[172Ben]

You wont

 

[The Boosh!]

We going for a weeks ban ben? Or a month :evil:

 

[Nigel]

I personally wouldn't go tpft on a 182. Then again I wouldn't spend a third of the cost of the car on insurance!

Month....pfft, I was thinkin perm ban.

 

[172Ben]

1 month, or an insane task to redeem himself

 

[DB.]

You tried Brentacre yet?

 

[The Boosh!]

If you haven't got one you have to post up a vid of yourself fake humping a chair in your boxer shorts shouting I need you revels.

Other wise you get a week off

 

[T0M0]

TPFT on 182, MENTAL

 

[medici999]

Ill be calling brentacre later today.
Think its my claims i have had like 3years ago that affect me more than points i got 3years ago!
My postcode is really good though, but still getting daft quotes!
Luke..did you go with brentacre in the end?
Thanks

 

[Tyler@Ultimate]

I'm TPFT because I'm 21 fully comp is min 1400 which I'm not paying.
I don't mind to much as 182's are not hardly an expensive car.
But I get my 4 years no claims in 3 months so might try again then
I have not convictions and I'm in a fair area post code category C

 

[Kerryclio]

Would never go TPTF on any car that's why I have a 1.2

 

[Brett]

I was tpft on my ph1 172. That was worth half of what a 182 is and I still always thought I should have gone comp. Personally i'd go fully comp.

 

[theduck]

Whats the difference in cost between TPFT and Fully comp?

 

[jenic]

This subject is very touchy on this forum :rasp:

All I will say is I think its worth it for a year if the insurance difference is big between FC and TPFT AND you have the funds to replace the car in full should you crash (i.e you have £5k in the bank you could spend to replace the car and obviously the car has no finance outstanding)

 

[m0rk]

Quite often I've found TPFT quotes to be the same or more than FC

I tend to do a piece of glass a year on average (over the last 14yrs) so if there's less than £100 in it, FC wins every time

 

[medici999]

Quick one..i got 3 points from a moped in september 06, however when i try and put that in it wont let me as it says havent held a license that long..i got my full license jan 07?

 

[medici999]

There's about £1800 difference in fully comp and third party for me!

 

[theduck]

There's about £1800 difference in fully comp and third party for me!

Wtf?? You need to shop around more! Getvon the vphonevto brentacre and sky insurance

 

[medici999]

What do i do about my moped points tho? As it wont let me include it when i do quotes

 

[medici999]

At the moment,
Im 20,
1years no claim
1 accident
4points in 2007 with a 100fine.
Hu15 post code, so Category B so good.
Dont think i should be getting quotes as high as i am!

 

[medici999]

got quoted £1900 tpft from brentacre!

 

[theduck]

Your problems are:

You're young
You've had a claim, regardless of fault, but if it was a fault claim thats worse.
You're young
You have 4 points.
You're young

All of those added together = high insurance premiums.

 

[Martin!]

Quite often I've found TPFT quotes to be the same or more than FC

This, but i'm an old git lol.

Stupid question, but have you tried any of the comparison websites? Always came up trumps when I was younger with a decent car!

 

[seb]

you ring the brokers up to tell them about the points.

 

[medici999]

comparison websites are still coming out at like 2700.

 

[seb]

comparison websites are s**t.

ring them up. I normally ring a good 30 companies each year.

 

[medici999]

Ill try adrian flux, quoted me 1800tpft

 

[-J-]

If your planning on insuring TPFT, Why not think about looking for a well repaired CAT D car (As IIRC you can only insure them TPFT anyway), Should be cheaper to buy, then in the event you do bin it, you have not spunked as much money up the wall?