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Gonna add my £.02 worth of non-advice w/o intending to mansplain: don’t insure the car, insure yourself. If something goes wrong with that car your biggest expenses might be paying others who are affected and fixing yourself. The NHS is great but I’d expect the better private rehab clinics have better availability and more modern kit.
-replied to you in error.
Eseman-
Are you saying go 3rd party but with the extras? That makes sense, weirdly though 3rd party prices were coming out more expensive than fully comp. Related, does there exist some kind of tracker for insurance wholesale prices? The guy on the phone said if I wanted to reduce my milage (hardly using car these days) then the price would go up as the wholesale/underwriters price had increased since my renewal quote. I wonder if the weekend is not the best day to buy insurance, or if it works on a larger scale trend than that.
Polygon
Probably less tbh, I believe it gets valued by insurance company at time of accident. There could also be fees and excess on payout.
Although tbh I'd probably only go 3rd party and save money that way if it's worth £150.