Insurence scamming B********s

[cwspellowe]

You might not claim, but the person you've hit will. That's why insurance is there, the main reason to make sure other parties don't lose out. Fully comp is always an added bonus, but by the time you've paid your excess you're left with f*ck all back from these.

And if there's any dispute over the value of a car, insurers will always go with either Glass' Guide or private market value, whichever is the lower of the two. By law you are entitled to the value of the car in the event of a write off so if they offer a lower figure than Glass' guide, dispute it. If they offer you book figures it's up to you to prove it was worth more than current market value...