What would you do ... answers needed before 6pm tonight ;)

[Ben Lessani]

(Please don't move to insurance section, or at not least until 6pm - need some quick answerings)

Sup peeps. Insurance has to be renewed by 6pm today, otherwise I can't drive home

I've got two prices on the table ...

Bell
£381.05
Fully Comprehensive
All mods declared
3rd party cover on other vehicles
£400 excess

HIC
£406.00
Third party fire and theft
All mods declared
3rd party cover on other vehicles
£575 excess
£1900 agreed value with option of salvage retention

The only difference between the two is I get agreed value on HIC but its TPFT and more expensive.

What do you reckon I do?

[Wayne]

Bell policy would be my choice, I have always gone for fully comp plus the excess is lower.

[Horney]

Bell on price but to be honest see what benefits you get on thr HIC policy compared to the Bell policy it may be the one to go for.

nick

[twistedblack69]

Looking at the fact you're getting agreed value, which I'm assuming Bell won't do?? That's pretty good. It's only £20 difference in price, but obviously £200 more on excess....but if something does happen to your car, Bell will prob value the loss at...what, maybe £1000?? I've seen a few cases on here where people's GTI write offs have received around £500 

[Andy!]

One thing I always look for is breakdown cover. Stick with HIC, agreed value is worth its weight in gold pal.

[Ben Lessani]

Looking at the fact you're getting agreed value, which I'm assuming Bell won't do?? That's pretty good. It's only £20 difference in price, but obviously £200 more on excess....but if something does happen to your car...

Only downside to HIC is that if I bin it, I won't get a bean, whereas Bell will at least give me something back ...

[Andy!]

You know the answer to that? Don't bin it!

[MarkS]

I'd tentatively say go for Bell.
Fully comp and you get to drive other cars third party if needs must!

Don't suppose you've tried Brentacre have you?

They were top-notch for my renewal quote!

But, if it's just out of the two, Bell

[Ben Lessani]

I'd tentatively say go for Bell.
Fully comp and you get to drive other cars third party if needs must!

Don't suppose you've tried Brentacre have you?

Both let me drive other vehicles 3rd party

I'll give Brentacre a buzz now

[MarkS]

Ah yeah sorry, missed that on the HIC list  :embarassed: