Hi im after 3rd party fire and theft in the uk and the quotes im getting are a joke. i have 6 points on my licence and am 49years old. the cars only worth about 800 quid but is in great condition so not worth getting quotes of 500 quid is it.
Cheers n beers steve Beds UK.
Sounds like what you are after is whats called comp or comprehensive here in the US. My insurance man said that a good rule of thumb is not to get comp and collision (2 seperate coverages here) when the premium is more then 5x or so of the value of the car. Naturally one must still carry liability to a level comensurate with one's holdings, and in the case of young drivers due consideration must be paid to their earnings when they finish their education....
Upshot - for 5/8 of the value of the car just deal with it's loss if something happens, and drive like (as my wife says when I get into the curves too far) a Volvo owner.
--Steve (still saving for the 911)
thanks for the info...why buy a 911 when you can have a supra for a quarter of the price and roast a porches arse.....sorry it was the car i had before i realised i was getting old and needed room for
model earoplanes.
The Supra was a hell of a car, but has not been offered here since 98...and looking some up they start around 44K!
I forgot what a nice car it is, however, and gee, I bet they dont break much either...
Thanks for the suggestion!
I have a 940 turbo in Surrey before moving from N.Ireland (3rd part only). It was £500 in N.Ireland, then £280 in Surrey, both from Elephant.co.uk. Most other companies didn't offer 3rd part much less than fully comp, but Elephant was the first I came across to had a bif difference.
I'm 39 with no points (only 3 speed cameras in N.I. so far), I guess its probably the points aren't doing you any favours. Insurance is nothing to do with car value, if the car was worth nothing the insurance would still be £500, its all to do with how much damage you can (or are likely to) cause. Since I've been in Surrey driving around Surbiton/Ealing I been hit 3 times in minor collisions (no damage to me or other vehicles, and always the others fault) and nothing in the last 10 years in N.Ireland. London drivers are much more agressive than NI, aswell as more cars and more bad drivers, why they think London has a lower risk escapes me (maybe the lower speeds mean minor collisions aren't reported or claimed).
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