Who would you use?

mikey72

adamc260 wrote: »

Sometimes a voluntary excess can be false economy

I really can't work it out.
That's a difference of a couple of percent or so.

My wife's policy, a voluntary excess of £1000, (on a £400 car, so in reality it makes no real difference to the payout, no voluntary, £200 max payout, then written off, £1000 voluntary, £0 payout) made a difference of 25% to the policy.

My policy is somewhere in between, I saved about half of what I put down as a voluntary excess, up to about £100, then it made no difference.

adamc260

mikey72 wrote: »

I really can't work it out.
That's a difference of a couple of percent or so.

My wife's policy, a voluntary excess of £1000, (on a £400 car, so in reality it makes no real difference to the payout, no voluntary, £200 max payout, then written off, £1000 voluntary, £0 payout) made a difference of 25% to the policy.

My policy is somewhere in between, I saved about half of what I put down as a voluntary excess, up to about £100, then it made no difference.

With Aviva, if I set my excess to £750 it made the premium MORE! expensive than if the excess is £550.

Yes you read that correct, a higher excess cost me MORE for the year!