3rd party 944 ?

Li Moo Bai · Post by **Li Moo Bai** » Tue Jan 22, 2008 4:19 pm

Yes I know it seems crazy at first, but given the low values of the 944s at the moment and therefore borderline repair / scrap decisions we hear about does anyone insure their 944 third party ?

Post by **Sean Smallman** » Tue Jan 22, 2008 6:43 pm

None that I know of.

lindsayhbrown · Post by **lindsayhbrown** » Tue Jan 22, 2008 9:21 pm

a lot are on limited miles policies as they are 2nd/3rd cars, these policies tend to be fully comp

grbspeedster · Post by **grbspeedster** » Tue Jan 22, 2008 9:38 pm

Might be worth checking but i have found TPF&T to be more expensive than Fully Comp, strange but true. Plus remember windscreen not covered on anything other than fully comp, can be expensive

944BLOKE · Post by **944BLOKE** » Wed Jan 23, 2008 3:03 am

Now thats interesting.I had two cars writtenoff.The first was fully comp and as soon as you claim you have to send all your docs to them.The car then belongs to them.You can put in a bid to buy it back but you dont get any preference even though its your car.So i lost the first one.The second one was TPF&T and that was going to be written off as well but I argued that as it needed two new doors(side impact) and it wasnt a new car anyway two secondhand doors would do.They had put two new doors in at £500 and i knew i could get them for £25 each.So they made me an offer of£900. I haggled and got £950.The whole job cost me £350 and I kept that car for another three years.I would be interested to know what quotes would be available cos as you say the values of 944s are low and if the insurers get their parts prices from opcs then it wont take much of a bang to write a 944 off!! As we all know there are plenty of places where we can get doors wings etc.

Li Moo Bai · Post by **Li Moo Bai** » Wed Jan 23, 2008 12:35 pm

[quote="944BLOKE"]Now thats interesting.I had two cars writtenoff.The first was fully comp and as soon as you claim you have to send all your docs to them.The car then belongs to them.[quote]

Exactly what grates me - I put hard graft into saving for the car and although I have only had it 12 months i have become very attached to it so I damned if some money-grabbing insurance firm is getting it

Although as said above I would probably lose the glass cover and agreed valuation

hmm

J.J. · Post by **J.J.** » Wed Jan 23, 2008 6:32 pm

My '44 is my only car. It's insured fully comp & agreed value for £300 through Footman James. A standard policy even third party would be more than that. Cheaper on a classic policy. Sold my last sports due to insurance costs.

Li Moo Bai · Post by **Li Moo Bai** » Wed Jan 23, 2008 6:38 pm

J.J. wrote:My '44 is my only car. It's insured fully comp & agreed value for £300 through Footman James. A standard policy even third party would be more than that. Cheaper on a classic policy. Sold my last sports due to insurance costs.

Mine's been on a classic policy for the last 12 months too. Can't complain at £450 for 7500 miles/yr and an agreed valuation of £5k.

Was just thinking outside the box really.

Adam

lindsayhbrown · Post by **lindsayhbrown** » Wed Jan 23, 2008 9:32 pm

mines on limited miles 3000, and agreed £6k value and i pay £233

Li Moo Bai · Post by **Li Moo Bai** » Wed Jan 23, 2008 10:55 pm

lindsayhbrown wrote:mines on limited miles 3000, and agreed £6k value and i pay £233

you get a better deal if you can keep the miles down but mine is currently a daily driver.

Plus I don't have a garage yet

lindsayhbrown · Post by **lindsayhbrown** » Wed Jan 23, 2008 11:01 pm

yeah, mine is garaged, and not allowed to be parked outside the house after 22.00, but ok parked elsewhere after 22.00 !

944BLOKE · Post by **944BLOKE** » Thu Jan 24, 2008 1:40 am

Yes mine is on a classic car policy too.5000 miles ,agreed value £3500.£142 with Heritage.I think that you just have to accept that in some circumstances,depending on damage you would be better not claiming and fix it yourself with secondhand parts.For instance I think Porsche want about £3500 for a tailgate which you can pick up for about £100/£150.After the first write off I was so annoyed at the figure they gave me as well as the way I was treated that I resolved to only pay the very minimum for insurance which is how I came to be on TPF&T when the second one got hit.That time I managed to come out on top but both times I had to argue and fight them!

lindsayhbrown · Post by **lindsayhbrown** » Thu Jan 24, 2008 10:40 pm

i posted this on pistonheads, i friend of mine had a 924 and some scrote put a brick thro' the tailgate, insurance wrote car off after he sent his 2 quotes in, he bought a second hand tailgate (for i think about £100) and asked if he could retract his claim which they duly allowed thus his car was no longer cat D

944BLOKE · Post by **944BLOKE** » Fri Jan 25, 2008 2:29 am

Oooh! Close one that! Bet he would like to get his hands on that scrote!! John.