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Car Insurance - is this correct please ?

7 replies

54isanopendoor · 30/11/2023 16:14

My house insurance renewal quote jumped from £400 to £780 this year. I changed provider. My car insurance quote has increased from £240 to £290.
I was just looking online to try to improve that & it occured to me:

I always insure fully comprehensive + good breakdown (I'm disabled so need it)
But my car is a 2002 Nissan XTrail so probably only worth about £1500.

Is Fully Comp worth it on an old car, or would 3rd party be cheaper?

OP posts:
54isanopendoor · 30/11/2023 16:42

anyone? I need to renew tonight ...

OP posts:
Reallybadidea · 30/11/2023 16:44

I would do quotes for both options. IME 3rd party can actually be more expensive than fully comprehensive

SallyWD · 30/11/2023 16:44

I'm in exactly the same position and would like an answer so bumping for you.

Newtrix · 30/11/2023 16:46

I always just has 3rd party when I had old cars. Used to be much cheaper.

BIossomtoes · 30/11/2023 16:48

I reduced my insurance to third party when I was particularly broke years ago. Of course I had an accident and wrote the bloody car off almost immediately. So, so pissed off. I’d never have anything but fully comp again.

SisterMichaelsHabit · 30/11/2023 16:49

Well you just go on Compare the Market and get a quote for both. In under 5 minutes you too can find out that fully comp is cheaper for most people and has been for about a decade. But another provider might be cheaper.
You've indicated this is time sensitive, why are you on here trying to chat about it instead of going to a comparison site???

54isanopendoor · 30/11/2023 16:58

@SisterMichaelsHabit
I tried the meerkat site but my internet is flickering in & out & I kept losing my progress & also getting muddled so I thought I'd ask & see if there was an obvious answer so I only had to plough through one quote.

There are many Qu's on MN each day, some foolish, some less so.

OP posts:
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