Insurance Observation

The Oily Bits S2 Specific Topics
1

So here’s the thing

Use Henderson Taylor for my insurance - great service from Matthew etc.
Got 6 ‘free’ TD’s in my 1 year cover. So I’ve now used them all up and to get TD insurance for extra days it’s approx 0.5% of my cars value which equals around �200.
Got 4 days booked so far until the end of August which would cost me around �800.

Here’s the observation - it looks like I’d be better off cancelling my current policy and re insuring with a new policy with the 6 ‘free’ TD’s - anual premium is less than �800

Any thoughts boys and girls ???

2

Interesting problem, extra days @ �200 seems over the top considering that would be more than double (nearly 3x) my annual premium, surely that is too much considering?

3

Joining HT in a few days.
For the last 2 years I’ve not had TD insurance ( if you’ve overtaken me , now you know why)
No excuses now. Calculated risk before.

4

4 TDs and �175 at REIS, reason I’m moving sadly.

5

I use up my free ones and then don’t bother, with the cost of the excess (10% of the car value) you have to do a lot of damage to be worth claiming anyway.