My car insurance is up for renewal. Direct Line have offered a renewal price of £286, which includes legal cover and protected NCD. Guaranteed hire car cover is included as standard.
I had a look elsewhere and LV were competitive:
- Standard policy: £260 - £21 cashback = £239
- With protected NCD: £276 - £21 cashback = £255
- With legal cover and protected NCD: £301.03 - £21 cashback = £280
- With legal cover, protected NCD and guaranteed hire car cover: £320.93 - £21 cashback = £299.93
LV said that if I don't choose the hire car cover and mine is written off, then I wouldn't be provided with a hire car. My car came close to being written off in 2015 and I added the cover with the LV quote, just in case. Plus, my car is about 10-years old and so it would be at a greater risk of being written off.
Is it worth having protected NCD (currently have 10 years), legal cover and hire car cover? I used my legal cover for a non-fault claim a few years ago for personal injury and to fight the third party in proving the incident wasn't my fault (even though I was hit from behind). I suppose it's one of those things that you don't realise the importance of until you need it.