Quote:
Originally Posted by T3rminator
Heres the thing. My car isn't worth much according to the insurers. They used to give me over the odds premium for low agreed value.
I have been on 3rd party for the last 8 years, and the premium I've saved is close to the agreed value now. A bit of a risk, but its paid itself.
But I just ran a quote on full comp and the premium has dropped heaps, an extra $20 a month will give me full comp, and the agreed value has actually gone up silghtly.
But I want some assurance that a little prang isn't going to get the car written off and me not being able to legally drive it. I love this car 
Yes. |
If you have a 'little' crash that's your fault there's no law that says the insurance company has to be involved.
If the same 'little' crash is someone else's fault you claim through their insurance company, if you don't like their answer (ie: write off) withdraw the claim and carry on.