Egg.com - Lunatics.

Oh, they would do it, but it was about £30 dearer, and didn't give as good cover.

none of the cars I've had have honestly been worth fully comp, but when it is cheaper than TPF&T, what do you do ;)

Egg is Prudential Insurance IIRC, so not really a small company. Doesn't mean they aren't whitelabeling insurance for other companies as well, of course.

Sensible in what way ? Your 'mods' aren't insured, so it doesn't matter how much you've spent on the car, they'd only get replaced with OEM items...

I was barely 20 when I got mine and it didn't cost me that much :)

what do you mean not worth fully comp? i got fully comp on everything i've driven even if i was paying over the cost of the car peace of mind, windscreen cover, breakdown, it all adds up when you need to find £3 or 400 for a windscreen :)

My Dad's like that - even with a car and a van I kept on hearing the words "one car, that's what I said". Now the van (Master - much bigger than the others) lives at the business post depot that I work for, and I commute there in the car (which means it actually gets a purpose!), leaving just the one car on the drive. My Dad's helped the parking problem (not that there is one with just four cars in the family, it works out quite nicely) by moving his Mondeo up to my Grandpa's in Peterborough (!), meaning that if he goes up there by himself he can have a relaxing journey up there on the train, and use the car that end. It also means that for the occasional time he does need to use it (which isn't much, only does 2-3k a year at most in it) it's not there and he ends up needing a lift - lunacy!!

Peter

Ah, it's either the little-known Renault 5/Smart car hybrid, or it's a professionally shortened version :-)

Peter

Whereas the other day I told a bloke called Adrian Fux to fluck off.

Peter

I've just turned 25 and am putting my American car(s) on proper specialist policies. My renewal (for a 1992 sedan with a 5.7 V8, 2yrs NCD) was £430 TPFT on a generic policy but on the NIG "Yankee" scheme it was £420 comprehensive!! And for a 2002 sedan I've just imported it will be a bit cheaper because it's only got a 3.8 V6!

Gareth

In article , snipped-for-privacy@recycle.bin spouted forth into uk.rec.cars.modifications...

Depends on the company. Liverpool Victoria like to be told about the first mod in any category they have, then after that they just ask for a copy of the reciept to be kept, and a photo of the instalation for anything else.

If they don't cover the mods, why do they want them financially documenting.

As long as you're being stupid and you don't mean to crash, then yes :)

You're not really suggesting he should not have fully comp to save £100 are you :) ? Jesus, the windscreen excess on my policy is £25 and doesn't affect NCD or premium, and a windscreen for my new car is some £500.... Fully comp is worth the extra IMHO, unless obviously you're driving a sub £500 piece of shit. Also, if someone hits you, its a LOT easier to get your claim sorted, as your company pay for it, then go after the other company.

In article , snipped-for-privacy@recycle.bin spouted forth into uk.rec.cars.modifications...

Yeah, but most you have to tell them about every one.

With LV, you tell them about air filter change, and you have engine mods on your policy, and just have to document anything else.

If you change your back box, it says exhaust mods, and document the rest of the system.

Tell them about the uprated brake pads, and the it says brake mods, so then you urate the calipers, master cylinder, brake lines etc, and just photo it and document it. It realy is that simple with them. they don't even list mods seperatley, and don't charge extra for most.

In article , snipped-for-privacy@recycle.bin spouted forth into uk.rec.cars.modifications...

But you aren't declaring specifics, they don't want to know, just that isn't standard anymore. Only thing they don't allow is engine size change through big bore or engine swap.

I know of people who swapped an air filter, declared it, then when they had an ecu remap, hybrid turbo, larger throttle body, and bigger injectors fitted, they phoned to declare them, and where told, you don't need to ring us, your policy already says engine modifications.

Those badged up 1.1's aren't all that ;)

Never had fully comp and dont want it for what i'm driving. You dont need FC to get breakdown cover - my own cover is far far better than the crap my ins co were offering me, and if i crack a windscreen it'll stay cracked. If it smashes (which is highly unlikely) i'll pay £100 for a new one. Whats the point in wasting £150 on FC when the car only cost £220?!?! With my excess as well it makes absolutely no sense.

Theres nothing wrong with

Does fully comp still pay out if you write your car off through utter stupidity then ?

You're right, I agree.

It might depend on the policy and level of cover, but a standard insurance policy certainly doesn't.

Any insurance company has to be told...

So that - in the event of a claim - you can prove to them that you were telling the truth about the extent of the declared mods ffs.