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It was kind of on topic, a Caveat Emptor for the buyer? The OP seemed to appreciate the information shared.

If it's the other drivers fault your excess wont come into the claim, it's all on the other driver ;)

I suppose it's down to confidence in your driving ability. Why pay £££ per year more for something youre unlikely to use?

My excess I voluntary increased to reduce my premium (it was £315 with £250 excess). Protected no claims isnt worth the paper its written on, years ago I had my van broken into, tools and equipment were stolen. I had protected no claim and I made a claim on my insurance. At renewal time, my NCD...

Youre a young tearaway living in a dodgy area :):):)

Racing stunt driver scuppers it does it? o_O o_O o_O.

Of course, it's always been the case. For what its worth I don't garage the car at night, Ive declared max 8000 miles per year, I'm a retired 69 year old with no points on my license and it's used for SD&P. A lot can change with your employment, my son is a programmer / software developer, he...

I lied........ it was £289.35, sorry. Give em a call it's a great Insurance Co.

Ive just paid £279 fully comp with Directline for our 2023 Trophy, we do have full no claims and clean licences.