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The mobile phone cost me £50 excess and is worth more than the £200 they suggested or claimed but for that cost on my bank accounts insurance it adversely affected my renewal which I did not expect or was advised aboutWhy would you bother even claiming for a £200 phone? By the time you pay the excess not worth claiming for, I certainly would not even think about claiming for a low value item, insurance company’s are in business to make money.
Still good value for personal breakdown cover EU included and worldwide travel insurance. You can easily pay that just for breakdown. For me it's covering 3 vehicles.Dont forget that nationwide flex account is going upto £18 pm thats £60 year extra.