Is it better to take a higher excess and insure that under a separate excess cover policy?

I have an excess of £250 which rises by a further £200 if I don't use the selected insurers repairers. Provided any accident repair exceeds my excesses, I'm able to recoup my outlay under an Excess Protection...

Do I have to pay a cancellation fee if my insurance was not renewed?

I was insured until just over a week ago when I could not find the renewal notice so switched to another provider as I was about to go on holiday and short of time. I assumed that as the insurer couldn't...