Quote:
Originally Posted by john116
Surely just easier to pay someone to fix it, and forget insurance. In Australia, based on the fact the car is more or less worthless, I refuse to pay for insurance. If it gets damaged, the money I save on not having insurance, I can just use to pay to fix it. It's SO difficult to get anyone to pay up, insurance is more or less useless.
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Insurance is a legal requirement in the UK, you can't drive on the public roads without it. Agree on the difficulties of getting these companies to pay out / pay a fair amount. I'm sure if I wrote of my 75 they would offer a derisory amount.
What happens in Australia if you hit a 3rd party? Presumably you're personally liable for their repair costs? In the UK you can get 3rd party insurance (i.e. insurance that only pays out for the other party) but it's often not much cheaper than fully comprehensive insurance.