[Doctor Carpet (Ret'd)]

My insurance is due for renewal.

The van is nearly 10 years old and I do 9500 miles a year.

I would guess it's book value is pretty much nothing (well perhaps £500) but not being an expert I would value other people's thoughts on its value.

The question is should I go "fully comp" or "third party, fire & theft"?

The compulsory xs is £350 or thereabouts.

The different quotes are around £240 for TPFT or c£300 for fully comp.

My question is not really about the level of the premium itself or whether I can get a cheaper quote (I do have a few others to consider) but
     
    is there any disadvantage in going TPFT which I am unaware of, or is there anything else that is glaringly obvious that I should be considering in my decision

Roger

[clinton]

Hi roger

My  van as you know is in v good condition for 10 years old and my insurance is also due on the 1st of april had a quote for 175 tpft and 240 from churchill

[Phillip Mold]

Funny, van insurance gets cheaper as they get older, mines £164 fully comp!

[clinton]

Phillip

Is it an old morris

[Phillip Mold]

Yes, now re-sign written and being used daily!

[Griffus]

Do you sell Hovis as a sideline?

Only kidding, very nice van!

[clinton]

Looks a brill little motor must say

[Phillip Mold]

Love it, its getting me work, does 38 mpg (all short runs).
First registered Feb 1962, road tax £0.00. Original leather seats, just dribbles a little oil so I avoid parking it on driveways. I also anticipate negative depreciation provided its looked after!

[kevin sparrow]

Hi Roger

Have a shop around, and look at compare the market.com and people like that ,also Direct Line are good.
Also if it's only £60 difference between 3rd party and Fully Comp is it worth saving that small amount of money versus peace of mind.
Just a thought

All the best

Kevin

[clinton]

Looks a tidy motor and bet it does get you work from the look it has

[Doctor Carpet (Ret'd)]

Kevin

Thanks for your comment. That's the sort of response I was hoping for.

Guys

Any more thoughts on my original posting as I need to commit tomorrow?

[clinton]

Roger

There is one company on go compare search and it offerd me 158 for tpft and think just over 200 for comp and thats with some points i collected on my bike :

[Karl Wildey]

beautiful and good advertising, better than a card/leaflet anyday

[CARPET KNIGHTS]

Roger with the value of the van so low and the excess so high i would just go tpft its all in the numbers!

£300 for tthe insurance plus £350 xs = £650 the van is only worth £500

it isn't worth it!

Cheers Goron

[Doctor Carpet (Ret'd)]

Thanks Goron

You have put into words clearly what I suspected but just needed to hear from somebody else.

Roger

[Kinver_Clean]

Check whether either insurance has personal injury liability that covers you. My insurance agent says its not worth saving £50 to risk it.

Trevor