Board logo

Insurance: Parts only V's Fully comp
tomgregory2000 - 22/2/10 at 06:01 PM

Hi every body.

I have some questions regarding insurance.

Just got some quotes for my car, been quoted £250 fully comp and £185 for parts only, both with £150 excess for my Viento (value 10K ish) fitted with the nissan turbo engine which i didnt think was too bad as i am only going to be 25

Now my question is what would you go for: Parts only or fully comp?
And in the parts only does anyone know if that covers fire and theft as well?

Tommy

lewis - 22/2/10 at 06:04 PM

Def fully comp if you have a prang would the chassis be covered as a part? If it gets nicked your left with nada.

twybrow - 22/2/10 at 06:07 PM

I chose fully comp for mine, as I feel that gives me more options if the unthinkable happens. I can still take just the parts if I want (checked with insurer), but I figured if I prang it, I might not want to see her again until she is mended! Plus the difference for my policy was £25 (£85 parts only, or £110 fully comp, on a BEC, at age 27!).

eddie99 - 22/2/10 at 06:26 PM

Not sure if i understand it fully. But would you let someone else mend your car. If you built it, surely you'd want to take care of fixing it?
Just dont see the point in £80, maybe i've got wrong idea though

Snuggs - 22/2/10 at 07:04 PM

I have fully comp with parts only.

I would not want anyone else repairing my car unless it involved work that I couldn't do myself. eg replacing chassis sections

mediabloke - 22/2/10 at 07:06 PM

Have gone parts-only this year, on the basis that I'm still paying for some fully-comp claims on my tin-top that aren't quite 3 years old...

I was working on the basis that the chassis would be covered. Maybe I overlooked that...?

Snuggs - 22/2/10 at 07:10 PM

quote:
Originally posted by mediabloke
Have gone parts-only this year, on the basis that I'm still paying for some fully-comp claims on my tin-top that aren't quite 3 years old...

I was working on the basis that the chassis would be covered. Maybe I overlooked that...?


Even on a parts only policy repairs that require a specialist (welding, paint, etc) are still covered

mediabloke - 22/2/10 at 07:19 PM

quote:
Originally posted by Snuggs
Even on a parts only policy repairs that require a specialist (welding, paint, etc) are still covered

Thanks. That's alright, then.

locoR1 - 22/2/10 at 07:40 PM

quote:
Originally posted by mediabloke
quote:
Originally posted by Snuggs
Even on a parts only policy repairs that require a specialist (welding, paint, etc) are still covered

Thanks. That's alright, then.


That's not the way i understood it when i spoke to Gary at 2gether insurance last year the cost of the paint and materials was covered but that's it!
For a car like mine i would get the cost of a sheet of aluminum for a rear panel or bonnet and a tin of paint, as my cars ally paneled and painted it put me off straight away.

paulf - 27/2/10 at 10:56 PM

Mines parts only as I would prefer to repair it myself if I damaged it.Years ago I had a police car run into the back of my Mgb and had it repaired by a garage. After sending it back twice I ended up accepting the fact that they could not make a proper job of it and finished up repairing it myself.After this as I knew the underside was not correct and the tailgate didnt fit right I lost interest in it having owned it and looked after it for years previously.If I had of just done the job myself I would of made sure it was right.
Paul