what is the pros and cons of 3rd party,fully comp and no insurance?

B!nd!	No insurance: Pros: You save money by not having to pay for insurance. Cons: You would be liable to pay for any damage that you caused with your car, (that is you would have to pay the full price to repair another persons car, damage to building, etc), you have no liability insurance linked to your car. If somebodys car was to hit you, you would have to harrass them for money rather than make a claim on your insurance. 3rd party: Pros- generally the cheapest form of insurance. You do still have cover, should you hit another vehicle or object, and you have liability cover. Many TPPD covers also include uninsured motorist cover- which will help pay for a replacement car for you even if you dont have full cover, or cover damage to your car- provided that you were not at fault. Cons- you are not covered to at-fault damage to your car (this includes animal collisions and damage caused my malicious act, etc) You will not be covered for fire or theft unless you have a Third party, fire and theft policy. You wont have the choice of hire car or windscreen, etc. Comprehensive insurance: Pros: You should have the choice to put an agreed value onto your car. You will also have the option of windscreen, hire car, maybe flexible excess, etc. You will be covered for damage caused to your car- whatever the cause. You will also be covered for damage caused to other peoples cars and property, and liability, etc. You should only have to pay one amount of excess to repair the damage to your car, as well as the damage caused to another car or property if you are at fault. If you are hit by an ininsured motorist you can still make a claim, although obviously it would be better to get the money from the other party. Cons: More expensive, you may have to pay additional premiums for different varieties of cover to make sure that you are covered for everything you need. Hope this helps!

biker	3rd party, legal and covers you if you hit another car. It's cheap and good if you don't care about your own motor. Fully Comp covers everything and in the event of a claim makes things much easier but it is expensive. No insurance in the UK is illegal and you can do prison time for it or face large fines if you get caught. If it is legal where you live then in the even of an accident you will have to pay for everything,. This could run into $100,000's if a person is hurt or killed. It is very cheap to buy (eg free). If you're not going to have an accident or be caught by the police then go for the no insurance option. However as you probably can't guarantee this situation, then if your car is / was cheap go for 3rd party. If you like your motor then go fully comp. bd