Can anybody with Bell/Admiral/Elephant answer a quick q pls!
Discussion
They are coming out by far the cheapest for my renewal (about £500 difference from who I'm with currently, Co-op). However having a 'Third party clause' without an age restriction is essential for me. Is anybody with them - ideally on Third Party Fire & Theft - able to quickly check whether there is one, and if there is whether it's got an age limiter on it please 
If it's Fully Comp that's alright too, still a lot cheaper.
Alternatively, anybody have any experience of negotiating with Co-op? Do insurance companies generally price-match?
Cheers
If it's Fully Comp that's alright too, still a lot cheaper.Alternatively, anybody have any experience of negotiating with Co-op? Do insurance companies generally price-match?
Cheers
I'm with Admiral fully comp, and I'm 19. (If that is any help to you) Fully comp, by the way, is not that much more expensive than 3rd party fire and theft, I discovered.
edited because I actually read the OP correctly, no, you have to be 25 to drive other people's cars. Bummer I know.
edited because I actually read the OP correctly, no, you have to be 25 to drive other people's cars. Bummer I know.
Defcon5 said:
Do you mean DOC cover? 25 and over Im afraid
I'm guessing DOC= Driving other cars? If so, yes... and balls 
Grr. I'm very lucky with Co-op, it's just the extra premium. Cheers for the quick reply though In that case, do insurance companies have any flexibility regarding price-match?
R1 Loon said:
Why is DOC so essential for you?
Had enough instances where I've needed to use it to make it something that would be hard to live without; also planning on doing a fair chunk of work on my car over the next year which will be the odd couple of days here and there, so if I can borrow a car on these occasions without having to faff about sorting out temporary cover etc then it's worth it to me You do know DOC is Third Party Only cover don't you? So if you damage the borrowed car it isn't covered.
Another one is that insurance is something that you should buy based on your needs, if the cheapest doesn't give you what you want then you may have to pay more to get the product you really need. A bit like when you go shopping, if you want milk, you don't buy a bottle of Pepsi because it's cheaper.
Another one is that insurance is something that you should buy based on your needs, if the cheapest doesn't give you what you want then you may have to pay more to get the product you really need. A bit like when you go shopping, if you want milk, you don't buy a bottle of Pepsi because it's cheaper.
Edited by R1 Loon on Thursday 10th March 23:02
te if you need to claim.saaby93 said:
R1 Loon said:
A bit like when you go shopping, if you want milk, you don't buy a bottle of Pepsi because it's cheaper.
thats ruined my tea 
But yeah, aware 3rd party only
The car's I have borrowed have mostly been sheds (Old Meganes, Escorts etc ) so if the worst did happen I would be able to fork it out; if I can't afford to replace it myself I don't drive it unless there's no other option! Gassing Station | General Gassing | Top of Page | What's New | My Stuff