Mixed responses there.

Thing is, I have never had to pay a charge like this since I started using car insurance.

If you work out that I need a courtesy car around 4 times a year, it adds around 100 quid to the policy!
I'm hasving a bit of a dispute with them at the moment with this

"Flashguard" insurance, which was apparently explained to me

(not).

It covers you for transport cost that you might incur if you get banned from driving! In other words they'll pay for train travel, bus fare etc.

£40 extra for something I won't be using! I told them to listen to the original phone conversation when taking out the policy and to get back to me.

Surprise, surprise, the system was down, so they're getting back to me on Monday!
Interseted to hear about the garage insurance Michael; wonder if I could do that in future?
