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Fully comp versus 3rd party insurance - whats the difference please?

  • 30-09-2009 12:11am
    #1
    worded
    Registered Users, Registered Users 2 Posts: 4,639 ✭✭✭


    Just wondering.

    Assuming that I can cover the theft or damage of the vehicle - is there anything else that a fully comp ins cover offers above third party?

    Like medically is it better to have fully comp e.g. if I break my arm in a single vehicle accident for example?


Comments

  • #2
    Seth Brundle
    Moderators, Politics Moderators Posts: 41,230 Mod ✭✭✭✭Seth Brundle


    Policies differ so you need to be sure of the finer details of the one you are being quoted but:
    * comp policies also often offer some level of medical cover to the insured
    * comp policies also offer the ability to drive other cars (do TPFT?)
    * comp policies also can be cheaper!!


  • #3
    antomorro-sei
    Registered Users, Registered Users 2 Posts: 1,969 ✭✭✭antomorro-sei


    kbannon wrote: »
    * comp policies also offer the ability to drive other cars (do TPFT?)

    Think with Quinn Direct you can drive other cars with Third Party, Fire & Theft


  • #4
    cython
    Registered Users, Registered Users 2 Posts: 4,792 ✭✭✭cython


    antomorro-sei wrote: »
    Think with Quinn Direct you can drive other cars with Third Party, Fire & Theft

    I'm pretty sure that any company with limited cover for other cars like that will just cover you for third party when driving someone else's car, because the fire/theft aspect does not cause a loss to you personally, so it is not an insurable risk for you on that car.


  • #5
    Carstuck
    Registered Users, Registered Users 2 Posts: 439 ✭✭Carstuck


    TPFT does exalty what it say and thats all. i.e. covers damage to 3 party vehicle, fire and theft of own vehicle. However fully comp. cover the damages that happen to your vehicle in an accident as well as other damages you sustain i.e. medically.


  • #6
    elbaztardo
    Registered Users, Registered Users 2 Posts: 12 ✭elbaztardo


    With fully comp, if you crash the car and its your fault the insurance company will still pay out for your loss.. All other policies wont! If you have an expensive car then you'd better get fully comp.


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  • #7
    elbaztardo
    Registered Users, Registered Users 2 Posts: 12 ✭elbaztardo


    betafrog wrote: »
    That's a very misguided post, insurers will pay out regardless of whether you have TPFT or FC if it is your fault, the only difference is that with FC the insurer will also pay out for your loss, where as TPFT will over cover the 3rd parties, or your own should it be burnt out or stolen.

    Added "for your loss" to origional post.. Sorrryyy!! I assumed that was a given!


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