I know you like to keep up with the experience of us motorists so here is a bit of good news. A couple of months ago a car ploughed into the back of my car whilst I was stationary at traffic lights. The back end was so crumpled I had to call the insurance company (Zurich) to arrange a transporter. The car was repaired in less than two weeks and a loan (not credit hire) car was brought to my house. The matter was settled on a no fault basis and I recovered my excess. Now to the point, today I received my renewal notice and opened it expecting a nasty hike in premium but NO. £10 less last year.