Thursday, January 12, 2012

Car Insurance Excesses - My Lesson Learned

Today I learnt a lesson.  I spend a lot of time getting prices down, negotiating on insurances and things like that.  I got my car insurance down to the lowest  a couple of years ago, but that was with putting the excess higher.

 I learnt that actually, depending on the difference in price, it may well be worth paying more with less excess.

Whilst reversing out of a space in El Corte Ingles, I smashed my wing mirror to pieces on the post.  So I went to Ford this afternoon, who were brilliant.  I was only there yesterday for a service.  The guy gave me a price and ordered the piece for me.  He then asked me if I have insurance.  I could claim.

He was great and called them for me.  I thought fantastic, as its going to be another 250 euros.   Then, Linea Directa told me yes they will fix it...I have an excess of 300Euros!!!!

So, next month when I renew my policy, yes, I will be lowering the excess and pay the higher premium.


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