Car insurance - cosmetic - bumps & scratches

serenade2015

AdrianC wrote: »

It's quite simple.

The vendors of this top-up policy aim to make a profit from what's left of the premium money, after paying out all claims and their admin and marketing costs.

Do you really want to be SO far behind the average that your claims are so much higher than average that you'll be better off buying the policy than not? If you think you will be, wouldn't it make sense to remove the hassle by finding better parking arrangements?

don't have an option but to use public car park at least for the next 8 months.

serenade2015

Thanks so much for all the answers, it is just to save my excess & NCB


so back to my original question
I am thinking to take out this extra insurance, any company recommendations?

(yes I can google, but wanted to know if anyone experience of a insurance that covered this sort of thing)

neilmcl

Quentin wrote: »

This thread is discussing cosmetic insurance (small scratches and chips etc) that normal people refer to as wear and tear


No-one would use up NCD over claiming a "cosmetic repair" on their own insurance. (Cosmetic repair only covers small scratches - usually less than 15cm!)

I was under the impression the thread was about potential malicious or 3rd party damage to your vehicle.