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Sounds dodgy to me. Especially seeing as higher excesses normally only knock pennies off your insurance premium anyway unless your a new driver.
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XSProtect, been going years now & I sell a lot of it, decent product!
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My sister has this through Flux, saved quite a bit on the premium to raise the excess as she's only 17. Wouldn't bother with it myself though, at our age it barely makes any difference as Niall says.
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I normally find fully comp with a very high excess is cheaper than TPFT and gives you the added extras of fully comp
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I find fully comp is cheaper that TP and TPFT and im not exactly old and that's with a compulsory excess of £250
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Defo sounds dodgy even if it aint. My excess is only £100 anyway.