Is your Panda insured Third Party, Third Party Fire and Theift, or Fully Comp?

Just wondered. All of ours (even my Selecta with me being 19) are insured fully comp.

Jon.

mine was cheaper fully comp with post office than other places tpft

TPFT is just not worth it and often more expensive (well it is in my case) Where even my 57 panda is £124 fully comp, Us old gits at least get the odd perk

Dad's was under £10 more £76 in total I think, and although mine was £150 more than FPFT I thought that if I'm spending over £1k, have the money, and am supposidly more than likly to have a smack, in for a penny.

Mine is fully comp as an extra to my Land Rover policy with NFU, cost me £100. But I'm incredibly old. [Over 50]!

Mike

Mine's fully comp at £86.00 ... but I'm even older !

pandafan said:

Mine's fully comp at £86.00 ... but I'm even older !

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Yea, dad's in the 1000CL is about this.

Just shocked my self, just had a quote on mine on www.comparethemarket.com, £74 fully comp thru the post office. I'm 25 had my licence coming up 8 years and its clean. 7 years no claims aswell.

This is considerably less than my 406 at (£450 fully comp underwritten by NIG) that is going to be burnt at the stake in true french fashion for how much money it's robbing me of:bang:

For younguns like me TP/TPFT is the only way to go for at least the first couple of years, unless you have money coming out of your ears.

We're on a mulit car policy with Adrimal cause the Barchetta is group 16 and the pandas are not just as high as that, lol!!!

Jim

FuzzyPanda said:

For younguns like me TP/TPFT is the only way to go for at least the first couple of years, unless you have money coming out of your ears.

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What are you trying to say? I do own a Panda after all

Nothing personal, it's just my financial circumstances etc meant third party only for the first year (a whopping £960) before "upgrading" to TPFT after a year's no claims was accumulated. Only with three years' no claims has FC cover become £100 or so extra compared to several thousand pounds when I started out.

It's a bit like me and the Citroen xm I've got... Its a 700 quid car and I've a 550 excess on it to keep the cost down to £240 pa so I might as well be third party

Jim

At the end of the day, insurance is a strange thing, and in a way very much a gamble

I could not need to use my current insurance, and then 3rd party would have been better, but you never know and then theres that thing called sods law

Well. Not sure what others will think, but here is my opinion of FC insurance on a Panda.

I have always had a reservation about fully comp insurance on a low value/old vehicle like most of our Pandas. If anything happens to our cars, the insurance company is going to want to write it off. They might fight to give you £200 and not let you get your car back. You'll have all the hassle of a post accident claim which can take AGES and no car to drive. In my opinion, I'd prefer to have TP and they not come near my car. I can then do what I want with all the nice bits I put on the car that are probably worth more than selling it and/ or keep driving the car as it may not be broken at all, just scratched or require a new £10 bumper. In many situations you could be better off financially without FC insurance, not to mention premium prices in the first place especially if you are a high risk person. Insurance should take the hassle out of an accident, but I think it can add hassle in this case.

TP insurance is always much more expensive over here than comp... They always say that it's cause of the troubles

Yeah, yeah, yeah....

Jim

Most Easterly Panda's said:

At the end of the day, insurance is a strange thing, and in a way very much a gamble

I could not need to use my current insurance, and then 3rd party would have been better, but you never know and then theres that thing called sods law

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But if you ever need to claim, how much do you think the insurance company thinks a 15 year old Panda is worth? Is it even any more than the excess? take the transit incident, new bumper and grille from Fiat...write off. I've had fully comp on other cars but on stuff like this there's just no point. The cars are only worth anything to us Ok if theres only a couple of quid difference in the premium then by all means but there's no point paying more than you absolutely have to.

firstcar-Y10 said:

But if you ever need to claim, how much do you think the insurance company thinks a 15 year old Panda is worth? Is it even any more than the excess? take the transit incident, new bumper and grille from Fiat...write off. I've had fully comp on other cars but on stuff like this there's just no point. The cars are only worth anything to us Ok if theres only a couple of quid difference in the premium then by all means but there's no point paying more than you absolutely have to.

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Yes, but one thing Fully comp give's over other covers is (if its your fault, and they always go on about us youngsters, lol) own injury cover, courtesy car, windscreen chip repair (not had a policy I haven't used this on yet), and other bits a bobs, plus a little (about the same as the excess if you fight) money back.

It's the injury thing I like the though of. In the main around here (east anglia) alot of accidents aren't little Transit bumps, I was luck with that, and thank my lucky stars for it, most accidents around here are country roads etc, and I don't think euroncap tested the mk1 or mk2 Panda's, hehe.

Most Easterly Panda's said:

and I don't think euroncap tested the mk1 or mk2 Panda's, hehe.

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This is the Seicento...



Use your imagination

But I think it does make me a better driver knowing that I'd not survive an accident so it's better to be more attentive and try and not have a smash in the first place rather than relying on 27 airbags to bail you out....

Jim

Most Easterly Panda's said:

It's the injury thing I like the though of. In the main around here (east anglia) alot of accidents aren't little Transit bumps, I was luck with that, and thank my lucky stars for it, most accidents around here are country roads etc, and I don't think euroncap tested the mk1 or mk2 Panda's, hehe.

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erm..injury? clearly driving the wrong car there, if you're drving a panda you sort of have to take a motorcyclists approach to accidents and just really hope it doesn't happen. In our favour pandas are mostly a bit slower than bikes though.
I now feel strangely compelled to go for a back road blast with my tpft insurance and some Steppenwolf, livin life on the edge:slayer:. Oh well MOT to get past in the morning first.