Is going fully comp (£1,350) worth it on a car that will cost me £1,500?
3rd party fire and theft is £300 cheaper.
I can under stand going fully comp on a half decent car worth a several grand. But this would be my very 1st car so it would prob get scrapped if anything happened to it.
I can understand how youre thinking but as per my original post you have to think of every scanario and the ultimate question is can you afford to put it right?
If you have a majour collision, can you afford to loose your £1500 car and be left with nothing?
If you have a minor collision, can you afford to replace headlights, panels, grills, bumpers, doors, windows, engine, whatever might be damaged to your car?
Insurance does cost an arm and a leg when youre young, and £300 is a fair bit of money if youre paying it out in one go, but you have to think that that £300 could save itself if you were to claim. £300 more for a £1500 payout if you write your car off.... £300 more for £750 worth of damage to your car repaired... hell £300 for £300 worth of damage repaired and youre still even stevens. Not to mention I would imagine your fully comp option will probably carry free windscreen replacement etc
You have to consider your financial circomstances should you get in an accident, its easy to be confident and say "im not intending on crashing" but accidents do happen so its whether you can afford to foot the bill if it does. £300 in car repairs really wont go very far especially if theres paintwork involved so its strongly worth considering.
Also worth remembering that all insurance quotes are negotiable, if you pick up the phone and say youve had a better quote elsewhere you will often find them willing to move.
Also make sure youre using brokers for quotes, Id highly recommend Adrian Flux if youve not already tried them as Ive been insured through them near enough my entire driving career from being a young driver to having heavily modified performance cars and everything in between and theyve always come up cheapest- most often recently with abit of negotiation though