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Fully comp?

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  • 18-06-2019 11:16am
    #1
    tom_tarbucket
    Banned (with Prison Access) Posts: 2,083 ✭✭✭


    Car is worth about 2000 Euro.

    Is it a waste of time getting fully comprehensive insurance?


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    #2
    A Law
    Registered Users Posts: 885 ✭✭✭A Law


    What's the difference in price between the two?


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    #3
    Bikerman2019
    Closed Accounts Posts: 992 ✭✭✭Bikerman2019


    What the difference in premium? Mine was 40 quid, so why not?


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    #4
    tom_tarbucket
    Banned (with Prison Access) Posts: 2,083 ✭✭✭tom_tarbucket


    joefuss1986 wrote: »
    What's the difference in price between the two?


    Haven’t checked yet :)


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    #5
    my3cents
    Closed Accounts Posts: 9,764 ✭✭✭my3cents


    When I had the same thoughts as the OP I found it was MORE EXPENSIVE tpft than is was fully comp by about 30 quid.


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    #6
    Patrick2010
    Registered Users Posts: 3,282 ✭✭✭Patrick2010


    Plus with some companies you get free breakdown assist if you have fully comp, RSA for example.


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    #7
    Bikerman2019
    Closed Accounts Posts: 992 ✭✭✭Bikerman2019


    Mine was only a few quid. The majority of claims these days are injuries, so they are exposed on either policy, so some premiums are nearly the same.


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    #8
    Del2005
    Registered Users Posts: 18,992 ✭✭✭✭Del2005


    Bikerman2019 wrote: »
    The majority of claims these days are injuries, so they are exposed on either policy, so some premiums are nearly the same.

    I was looking for my mother, 03 Punto, and some TPO quotes were around €2k while fully comp was €400. So it would appear that TPO people have more crashes than fully comp people.


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    #9
    coylemj
    Registered Users Posts: 25,455 ✭✭✭✭coylemj


    Del2005 wrote: »
    I was looking for my mother, 03 Punto, and some TPO quotes were around €2k while fully comp was €400. So it would appear that TPO people have more crashes than fully comp people.

    It's probably more to do with the people who take out insurance, then stage a fake accident with four passengers on board, all of whom lodge a claim for whiplash, then they cancel the policy. All of those policies are probaly TPO.


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    #10
    my3cents
    Closed Accounts Posts: 9,764 ✭✭✭my3cents


    coylemj wrote: »
    It's probably more to do with the people who take out insurance, then stage a fake accident with four passengers on board, all of whom lodge a claim for whiplash, then they cancel the policy. All of those policies are probaly TPO.

    But if as I found out fully comp is cheaper (this was on an old 02 Polo) then the scammers are just going to take the cheaper policy.


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    #11
    coylemj
    Registered Users Posts: 25,455 ✭✭✭✭coylemj


    my3cents wrote: »
    But if as I found out fully comp is cheaper (this was on an old 02 Polo) then the scammers are just going to take the cheaper policy.

    +1 you got me there!


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    #12
    my3cents
    Closed Accounts Posts: 9,764 ✭✭✭my3cents


    coylemj wrote: »
    +1 you got me there!

    Don't worry I'm sure will be times when you spot that my logic isn't quite as acute :)

    I can also see that there is probably no incentive to the insurance companies to provide a really cheap minimum cover product that would become the product of choice for anyone wanting to pull off an insurance scam.


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    #13
    Del2005
    Registered Users Posts: 18,992 ✭✭✭✭Del2005


    my3cents wrote: »
    But if as I found out fully comp is cheaper (this was on an old 02 Polo) then the scammers are just going to take the cheaper policy.

    They obviously used to as that's why the quotes went up. Now the cost for the rest is going up. The when did you buy the car is another new question to try to spot scsmmers.


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