Hi i do have insurance.
My wife has about 5 years with no claims discount protection. I have on my car about 14 years with NCD protection.
The reason for not going through insurance is because whilst the excess is £350, everyone i talk to says the premiums will go up and probably worse off in the long run. Had the car been totalled then would have had no choice but to go through insurance.
Also i will move to the appropriate YEAR, did not realise this when posting, but thats for all your help.
Thanks
Shah
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