Insurance is just a rip off anyway, I got hit with a drunk driver while driving my car, she was caught, charged ,convicted, fined and banned for 2 years, open and close case you might say, NOT her insurance refused to pay out I never got any reason and my own insurance company were as much use as an ashtray on a motorbike all I got from them was ''pay your excess get your car sorted and we'll take her to small claims court'' I said yeah IF I get it back it'll take 3-4 years, bullshite
so now I buy the cheapest no frills no extras insurance I can get