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Do you have full-comprehensive car insurance, or is compulsory third-party insurance enough for you?

by Vee (follow)
Car (55)      Driving (43)      Finance (24)      Insurance (6)     

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Car insurance can be pretty expensive, especially once you’ve already forked out money to pay for your pink slip, green slip and registration. For this reason, some people choose to skimp on insurance and go for compulsory third party instead of full-comprehensive.

Do you have full-comprehensive car insurance, or is compulsory third-party insurance enough for you? What factors influence your choice of insurance?

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Top Answers
I have always had full comprehensive even when finances are tight. I have a friend who used to work for a big name insurance company. She told me some horrible stories about customers not having insurance and being lumped with a bill of thousands. I wouldn't want to take that risk!
Yes, I have full comprehensive -would worry if I only had third party.

I care more about reliability of a company with Insurance, rather than the lowest price.
by Finy
Full comprehensive insurance. Just too risky for 3rd party now days!
I don't drive, so don't know about the different types of insurance you can get. Ive never heard of 3rd party insurance. What is the difference?
Third party insurance will only cover the cost of damage to the car you hit. Whereas, full comprehensive covers you and those you hit.
by Vee
I have a company car so luckily don't need to worry about insurance.
I have been driving for 40 years, this year.
In that time....I have never had Full Comprehensive car insurance.
Can't afford it, way too expensive.
I just have the compulsory third party.My family say ''Oh! your lucky''!!
I say, it's that and also not driving like some crazy fool, who has a death wish.
Distraction will get you every time, so as long as you have your wits about you, and not only look out for yourself....but watch the other person, you'll be
a good driver.How we were taught 40 years ago, is far different than now.
Good habits, die hard.
Compulsory third party insurance in Australia only covers another driver (and sometimes the at-fault driver too, depending on the policy), but not damage to another person's vehicle. I wouldn't recommend it, even if your own car isn't worth insuring, because you could hit another car and be liable for the repair bill!
There is such a thing called third party, which only covers damage to another's property. Personally, I wouldn't drive without it at all because no matter how good you are as a driver you can always have a really bad day. If your car is worth it, then full cover is recommended. My rule of thumb is that if I could replace my car within two years with the premium, it might not be worth full cover, but if I couldn't, I'd go for full cover.
Always fully comprehensive insurance, especially with the way some drivers change lanes without indicating, and fail to stop after an accident etc.
However some Insurance companies have got to moderate their excessive charges especially when a person is relatively free of claiming against their Policy.
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