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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