Originally Posted by marcus2000
Why? It's just a different type of product. A substantially lower premium for taking on more risk. If you dont have an at fault accident, you wont need to make a claim. I wouldn't do it myself, but I wouldnt ignore them if i was being quoted 4.5k
I don't see the point in anything less than €200 damage affecting my no-claims bonus, so that's why I have a €200 excess.
When I was younger, I came across a few places that sold insurance for €4000 who had a €5000 excess, but it'd be mainly pointed at those in certain high-powered modified cars. If you read the T&C, you'll find that there would usually be a few clauses that
OP; look for a car less than 10 years old. Most insurance companies won't touch cars older than 10 years, esp if you're 18.
Or give you an insanely high price to drive you away