comprehensive car insurance worth it

Scruff

i've to renew my insurance shortly on what is now a 10 year old car worth only about 1500yoyos.
for the last 4 years i've been taking out comprehensive insurance mainly because i've always thought that I the driver also had some personal injury cover in the event of a crash where it was not my fault. E.g. where no other car was involved but non deliberate like if the car crashed cause of the bad weather lately.
from reading a couple of the brief policy explanations on insurance sites i'm now thinking that my assumption is completely wrong and i should only go for 3rd party, fire and theft at most.
So was my assumption wrong all along?

L-M

With something to the value of 1500 i'd think 3rd party is adequate. As long as you know in the event of an accident you'll be left with nothing.

Is there much of a difference for you between the two?

Seth Brundle

The simplest way of answering this question is to ask yourself, can I afford to replace the car if it is written off (through my own fault)?
If not then get fully comp!

I have also been offered quotes in the past from different companys/brokers where TPFT was more expensive that fully comp!

galwaytt

kbannon wrote: »

The simplest way of answering this question is to ask yourself, can I afford to replace the car if it is written off (through my own fault)?
If not then get fully comp!

I have also been offered quotes in the past from different companys/brokers where TPFT was more expensive that fully comp!

No, the question is 'can I afford insurance next year, if I make a claim on a 1500 banger?' The answer is no.

TPO or TPFT = Comp only unless it's very, very, very cheap, and you get NCB protection in it.

Cheaper to write off the car, and just buy a new one, and leave ins co out of it.

unkel

In my experience the difference in premium between TPO and fully comp tends to be very small. On a very low value car, there's no point in getting fully comp as you would never claim for it (because you're premium would go up, you would lose your NCB, etc.)

But on a slightly higher value car (depending on your position, the value could be as low as only a couple of thousand), you might be better of getting fully comp insurance

cjt156

Another thing to consider; many Comp policies will automatically include Breakdown assist and Windscreen cover; TPFT may not. Shop around because the premium difference may be very little.
Bestquote.ie
123.ie
insure.ie
all gave higher cover at a lower premium than the broker I had used previously.