How much excess on insurance

[geoff_clio182]

Its that time of year again and Ive been looking at loads of companies. Cheapest is Directline and the have a 0% APR offer on paying it monthly, but I never know how much excess to put down. There is a compulsory excess of £150 but with Protected No Claims the figures are:

£0 optional - £882

£100 optional - £822.15

£150 optional - £803.25

£200 optional - £783.30

If I dont protect my NCB they are:

£0 optional - £758.10

£200 optional - £674.10

What shoudl I do?!?!?

 

[ViolentJ]

depends what you can afford!

Id protect it if you can afford to.

 

[Bryan]

as much as youre prepared to payout in the event of a claim

i always choose the top line, initial policy must be cheap, as i dont expect to have to claim

 

[Piper]

Yeah i always go for the biggest excess, as the amount you save over the years normallly would make up for what you would have to pay out in the event of a knock. And if you dont get that knock then your squids in

 

[nutter4149]

my excess is £600 just hope i dont have an accident

 

[geoff_clio182]

Ill probably go for the £200 excess, just need to decide if I want to protect my NCB