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

[Ben Lessani]

Yeah, its not fully comp - so they wouldn't pay a penny

Just spoke to Brentacre, no agreed value policies and £500 TPFT and £600 Fully comp. Its a no goer.

[MarkS]

Ahhh fair play.

I'd be tempted to stick with Bell personally!

Purely cos it's a fully comp policy

[Ben Lessani]

I've got the best part of the day to decide, so its cool.

As long as I renew my insurance before I drive home, lol - I'll be fine!

[Diamond Hell]

What about Flux?

I wouldn't touch HIC with yours, but that's just my personal experience of a particular snake that works there.....

[VeeDubGTI16v]

3rd party or fully comp, hmmm hard decision lol

get the legal cover as well, its needed for complicated claims, getting the money for my red 16v took the solicitor just over a year!

[VeeDubGTI16v]

actually, whats the point of agreed value on a tpft policy?

[Diamond Hell]

If it burns, you get an agreed value back on it?

Just a guess, like.

[Mikester]

at the end of the day, the difference is, do you think you are more likely to be at fault or not if you have a hit?

[Ben Lessani]

What about Flux?

I wouldn't touch HIC with yours, but that's just my personal experience of a particular snake that works there.....

Interestingly when I called HIC's number - it connected me to Flux (are they connected nowadays?). Do tell more about the HIC hate, no point me going for the more expensive one for better service if its not.

at the end of the day, the difference is, do you think you are more likely to be at fault or not if you have a hit?

I'm 23 and have never had an accident (touching wood profusely), but if I ever have a bump - I'm 23, which usually instantly means its my fault unless they admit liability.

actually, whats the point of agreed value on a tpft policy?

I was hoping agreed for theft or fire?

[Diamond Hell]

Oh it's just that they were very keen to dig about on this site for evidence when I said I wanted to cancel the policy, because it didn't meet my needs.  I thought it was a touch 'invasive', shall we say?

They may know one end of a modified car from the other, but they are also very sharp in other ways.

The two companies may be connected, but they offer different policies and have different internal policies, too.