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stevo_com
pifko
I suppose it depends on the value of your car. My 14y.o VW cost £1400 and gets fucked by the kids so I'm not that fussed on the condition of it. If I need to make a claim then I don't want to effectively spend a significant % of the value value of the car on the excess.
I procrastinated one day and played around with comparethemarket - you're correct re: excess/premium, but the increase/reduction is not always a relative amount and I found the sweetspot for me.