3rd party fire and theft versus comprehensive insurance on a 20 year old car

Third party covers your liability to a third party even if it is your fault, that is the minimum level of cover required by law here.

I suspect the OP means is there much difference in cost between the two (but open to correction on that, obv, since it's not what they actually asked).

If that's the case, the only ones who will be able to tell you are insurance companies - and just because one doubles the quote for fully comp (as an example), doesn't mean the next one will. Shop around, shop around and then shop around some more.

But I wouldn't be getting comp insurance on a 20-year old car - the value of the car will be feck all (unless it's some sort of premium marque), so if it's damaged you'd hardly be claiming, and screwing up your premium as a result for the next few years.

There is literally no rhyme nor reason to insurance quotes.

Every year I get wildly different quotes from companies, and every year I wind up changing company, despite driving the same reasonably young car, and only being a year older.

Drives me absolutely nuts, but no way around it.

are you sure you didn't get third party and fully comp mixed up again? never seen comp cheaper

there can be little difference in the likes of an 03 due to it being worth nowt

Comp is often cheaper than TPF&T for older vehicles, as from an underwriters point of view drivers looking for comp are better drivers. that coupled with claims performance generally for all Comp risks v all TPF&T risks. Appears to make no sense but actuaries would disagree.

In addition, if you have an accident, a TPF&T policy will not cover the cost of removing your vehicle from the scene, if necessary

Me personally I’ve probably saved around €5k+ over the past few years choosing TPFT over fully comprehensive

As a new driver there was a good €700 between quotes and then when I had to switch to motor trade insurance it has been €1500 less the past couple of years.

I have a 24 year old car and comp is always cheaper plus it includes breakdown assistance.

like what policy isn't throwing in breakdown assistance

the only ones I have seen are ones that you can take it off yourself, but thats rare

To the op: tpf&t does not cover damage to your vehicle. Comprehensive does. Comprehensive may also have things like,ncd stepback, breakdown assistance, curtesy vehicle (spare car while you're waiting for your s to be repaired) , windscreen repair, overseas cover and other things.

Comprehensive covers the book value of your car ...so a 20 Yr old car might be average 1000.

In years gone by there was a big difference in insurance price between tpf&t and comp. If you had a valuable car you got comp, cheap car you got tpf&t.

It's the same now except the insurance price between tpft and comp is very little and in some cases reversed.

I've paid less in comp (150euro) than tpft for a 3yr old car? Go figure.

Usually I have an around 20yr old car and pay 50 euro extra for comp...not because of my own car being covered but because of all the other extras available in comp.

Nope: Insurance - Aircraft, Maritime & Motor — boards.ie - Now Ye're Talkin'

Compare the price and look at the excesses (first part of the claim you have to pay - can ve up to €1000 with some companies). Look up the value of your car. Think about if your car is written off - is the value of the car worth more than the excess and the impact on your no claims discount? If yes, consider comp. If no, go TPFT. Technically insurance companies should not sell you a policy that is of no value to you but that's not to say it would not happen.