I always used to delete it when quoted for insurance,
to me it's a cop out, you expect this as standard when you take out insurance,
It like a plumber coming to to install a bath and then saying when he gets there, saying that doing the waste pipes & taps is extra.
If there looking after a claim, anything to do with the claim, should be part of the service they offer.
Anyway i never have it, when i got rear ended back in 2002, i phoned the insurance company at that time, and thay asked if i had it, i replied "No" they said i could take the cover out on the spot, i
think it cost me £3 extra so £28 as opposed to £25
After seeing what the final bill was for a rear end shunt was eye watering -
They charged the other guys insurance over 4K just for a hire car for a month, - how the f*ck do they justify that.
And it's a slick operation too.
reported the claim at 10:00, at 10:15, i had the ambulance chasers on the phone , at 10:30 i had the replacement car hire company on the phone, 10:45 the insurance assessor, to arrange to see
the car.. 48hrs later, they wrote the car off - not, and left me in limbo ..