Quote Originally Posted by xordis View Post
Read your policy first. Most insurers (well the ones you would go with anyway) will have a new for old if it's a new car and less than 2 years old. So on the third year, check the market value according to the insurance company against what its worth or what you owe and then decide. Paying an agreed value right now is only really useful if you hate the car and if for some reason it is written off you want the cash and not a replacement car or you bought a pirelli/35/Adidas and you really really loved it to death and cannot see yourself driving a GTI or R.
Read your policy first. All insurers with new for old have conditions. The car of the same spec must be availble in the country for delivery. So... considering the tens of thousands of options combinations, and the low stock levels that VAG have, the chances of that happening are not great. Which is why so many of us wait 4 to 9 months for a car. If you are relying on "New for old", you could find yourself in a very unfortunate situation when they then pay you out at "market value" and end up many thousands short to being able to replace your car, because you hadn't opted for agreed value.

This thread isn't really the place for this topic though - there are numerous insurance threads in general etc. I only replied to Doggie here as it was part of another post, and then to this, because your advice is bad based on it overlooks the clauses of new for old. :/


Doggie. Hailstones are one factor, but usually it's just stones being kicked up from the cars in front. We've got a lot of relatively bad roads in Australia. I guess it's kinda like a lottery though. The difference in cost on my policy means that even if I do only have to replace the windscreen once in 10 years, it's currently about the same to take the better policy... plus I then have a hirecar and those other benefits if I'm in an accident - so it's a no brainer for me. Not everyone's situation is the same though - and costs do vary from person to person