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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.
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.
