Less is more

Recently my Ford Mondeo was written off in a hit and run accident. To lower my insurance I purchased an older Renault Clio 1.2. To my astonishment, my insurance company, eSure, quoted very little difference in premium. I have full no claims discount and accident protection and am a mature drive covering 4-5,000 miles per annum.

Asked on 9 October 2011 by DI, Knutsford

Answered by Honest John

That might be because the claim makes you a greater risk and has increased your premium to the same level as it was with the Mondeo. NCD protection does not protect you against this.

Tags: insurance downsizing

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