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4X4 insurance?

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Rogerdodger


Joined: 24/04/2008
Posts: 271

Message Posted:
24/11/2008 18:53

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Message 1 of 18 in Discussion

Does anybody know where the best place to get 4X4 insurance anf if its best to go 3rd party or fully comp



pilgrim



Joined: 11/05/2007
Posts: 1404

Message Posted:
24/11/2008 19:02

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Message 2 of 18 in Discussion

Fully comp any driver . Steve Dickenson- LAPTA



Rogerdodger


Joined: 24/04/2008
Posts: 271

Message Posted:
24/11/2008 19:13

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Message 3 of 18 in Discussion

Pilgrim,



Thanks, I am in the UK at the moment does he have a web site or contact details, I am heading out in december, where abouts in LAPTA is his office?



Many thanks

Roger



HarryHornet



Joined: 18/07/2007
Posts: 291

Message Posted:
24/11/2008 19:16

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Message 4 of 18 in Discussion

We've just insured a Suzuki Vitara with Cyprus Pines Girne High Street for 220 fully comp any driver subject to owners permission



Rogerdodger


Joined: 24/04/2008
Posts: 271

Message Posted:
24/11/2008 19:36

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Message 5 of 18 in Discussion

HARRYHORNET,



Many thanks, Know Girne high street, but not where Cyprus pines are situated!



RD



HarryHornet



Joined: 18/07/2007
Posts: 291

Message Posted:
24/11/2008 19:42

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Message 6 of 18 in Discussion

There is sign outside however the office is in a clothes shop next to a reebok shop(if my memory serves me right - could be Nike?) .

Come down from square with big screen over crossroad 100 yds on right

Hope that makes a little sense.

Telephone number for cyprus rent a car ( same company) 0392 815 0290- very helpful man there



pilgrim



Joined: 11/05/2007
Posts: 1404

Message Posted:
24/11/2008 20:32

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Message 7 of 18 in Discussion

will email you details



Rogerdodger


Joined: 24/04/2008
Posts: 271

Message Posted:
24/11/2008 20:50

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Message 8 of 18 in Discussion

Thanks, All had a quote from the bank 600, sounds a bit steep, thought I would shop arround



RD



mickey rourke


Joined: 27/08/2008
Posts: 157

Message Posted:
24/11/2008 22:46

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Message 9 of 18 in Discussion

as with all insurance here in KKTC you get what you pay for, some of the local insurers are not as good and the cover is only up to a certain amount so be careful



scruff


Joined: 15/07/2008
Posts: 1070

Message Posted:
25/11/2008 00:06

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Message 10 of 18 in Discussion

Hi Rodger



We have met.



Comprehensive Insurance is far more expensive here & hasn't until recently come with NCB. The only reduction each year has come with the reducing value of the vehicle.



In UK I'd never had anything other than Fully Comp. for years. When we arrived here in 2002 we bought a new car & had been advised by old timers in TRNC to get third party cover. Couldn't quite bring myself to do that on a brand new vehicle. We paid 400 Fully Comp. on a vehicle costing 12750 then. This was far more than we would have paid in the UK at that time. Because of where we lived & full NCBs we were insuring 2 cars for that. Come year 2 renewal & virtually no change in the 2nd year premium we went Third Party & have been ever since. We've never had a scratch on the car. The highest risk in UK. is theft of the vehicle. That's virtually non-existent here. Highest risk is an accident which involves your car being written off. Labour costs are much lower here for repairs.



scruff


Joined: 15/07/2008
Posts: 1070

Message Posted:
25/11/2008 00:14

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Message 11 of 18 in Discussion

If your vehicle is a write off here you are unlikely to be alive.



If you go the third party route ensure that you are buying enough cover to meet the other driver's costs in the event the accident is your fault.



You obviously must make your own decision as to which way to go but think about what I've said. Your decision should consider the risks & the value of your vehicle. You are no longer in the UK. remember.



Finally, whichever type of cover you go for, make sure the insurer you choose will actually pay out for your claim in the event of an accident otherwise your premium will be a total waste of money. Like everything in Cyprus, there are good & bad insurers as other posters have indicated.



Rogerdodger


Joined: 24/04/2008
Posts: 271

Message Posted:
25/11/2008 08:28

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Message 12 of 18 in Discussion

All,



Thanks for the good advise, have taken it on board, I have always belived you get what you pay for.



many thanks



Roger



Rogerdodger


Joined: 24/04/2008
Posts: 271

Message Posted:
26/11/2008 08:09

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Message 13 of 18 in Discussion

Pilgrim,



could you please send the directions to Steve Dickerson in Lapta.



Many thanks



Roger



joandjelly


Joined: 24/02/2008
Posts: 2953

Message Posted:
26/11/2008 14:16

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Message 14 of 18 in Discussion

Just wanted to say that people here have a nasty habit of hitting your car when it is parked in a car park and driving away. This happened to us in Sevener carpark and we would have had to replace the colour-coded bumper and a rear panel. It has also happened to more than one friend of mine.



Chrys


Joined: 23/07/2008
Posts: 51

Message Posted:
26/11/2008 14:33

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Message 15 of 18 in Discussion

Insurance 3rd party will cover you upto 50,000 YTL.



Fully comprehensive insurance depends on the value of the car,which is more than in the UK. Type of car does not come into it, except if it is a van, bus or taxi etc. With F.C. it does not matter if you have damaged the on your gates whilst leaving, the insurance covers that. You do however need to make sure that the policy has no excess, as this can vary from company to company. However to lower the premium you can ask for excess i.e. 100 which will bring the policy down quite a bit.



For more information and quote please e-mail me on: chryscyprus@hotmail.co.uk



Rogerdodger


Joined: 24/04/2008
Posts: 271

Message Posted:
26/11/2008 15:00

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Message 16 of 18 in Discussion

Chrys,



Sent you an email



Roger



Groucho



Joined: 26/04/2008
Posts: 7993

Message Posted:
26/11/2008 15:15

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Message 17 of 18 in Discussion

The 50,000 YTL is public liability to third parties and does not cover the costs of repairing your own car.... that would have to come off the other parties insurance (if they have some) so if you have a valuable car it's not really good enough cover; unless you are so fabulously wealthy that it matters not....



I don't know many people that this applies to...



As the driving as witnessed on an almost daily basis is beyond a joke, I think fully comp is the only sensible choice...



pilgrim



Joined: 11/05/2007
Posts: 1404

Message Posted:
26/11/2008 15:37

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Message 18 of 18 in Discussion

will do tonight. been away.



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