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i thort all insurance companies covered for it? I always understood if your car was damaged you could claim you just lose your no claims like anyother claim. Wouldnt swear to it mind but thats wot i understood.
I think he means a seperate policy to cover things such as vandalism, such that you dont have a massive xs to pay and dont loose your no claims on your main policy.
That Chavy, probably too busy seperating himself from the members and socialising in the Admin area...
Ok, poor joke! It was a sticky topic for a while, was going to cost about £60 a year. Im sure Chavy will enlighten you if you PM him, as soon as he has a few minutes when hes next logged in!