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Technology2 mins ago
Fire & Theft
Due to medical reasons, l am unaible to drive for a while..My fully comprehensive insurance is now due and l am strugglung to find anyone who will insure me FIRE & THEFT ONLY so that l can park my car at home with peace of mind.
Any help would be grateful.
Any help would be grateful.
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You might get "Laid UP" cover with some insurers if you can keep your vehicle in a locked garage at your home (not a lock up miles from you). Its not available everywhere though because it creates admin which is costly. I wouldnt be too keen on th eidea of no insurance at all - Theft is not the only problem you may have - electrical fires can happen !
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//3rd party fire and theft insurance, paradoxically, is more expensive than fully comp.
I do not fully understand why but it is true all the websites are the same. //
That is because a lot of people who insured their car TPF&T - statistics showed were '' less careful '' with their driving and cost the insurers a lot of folding .
They chose this cover because the value of their car was very low , and they did not want to spend a lot of folding, for insurance .
In order to combat this, insurers are charging higher premiums than Comp cover - in effect and by default , getting rid of this cover - the theory being that if you have to pay a higher premium for comp or TPF&T you will take more care , not to be in an accident .
I do not fully understand why but it is true all the websites are the same. //
That is because a lot of people who insured their car TPF&T - statistics showed were '' less careful '' with their driving and cost the insurers a lot of folding .
They chose this cover because the value of their car was very low , and they did not want to spend a lot of folding, for insurance .
In order to combat this, insurers are charging higher premiums than Comp cover - in effect and by default , getting rid of this cover - the theory being that if you have to pay a higher premium for comp or TPF&T you will take more care , not to be in an accident .
If your vehicle is old enough then laid-up cover is probably the best idea. Alternatively, cheque with you household insurers. It may be a case that it already covers this for you or they may had a small fee to add it.
http://www.squidoo.com/tips-4-car-insurance
http://www.squidoo.com/tips-4-car-insurance
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