Apologies if I'm going over old ground here. I was advised, just before my insurance renewal, that "standard" cars (not "classics", I suppose) over 10 years old have no residual value in insurance terms.
I checked this just before renewal time and found out that I had been paying fully comp for 2 years for absolutely no reason. This has cost me over 300 euros a year and I have now reverted to 3rd party.
Neither insurers nor their agents will automatically inform you of this, it is surprising that insurers should even be allowed to offer fully comp in these circumstances. Surprising or just plain wrong?
Thought I'd let everyone know, if they didn't already. There will be exceptions, I'm quite sure but in my case, it was straightforward.