Purchased insurance for my 19 year son, fully comprehensive thinking this was the best option. Not worth the paper its written on for him. had an incident involving no other vehicle or damage to property, only his car... it would have cost him more to claim than to buy another car. Feel mislead, discretely hidden cost extra's and no up front honest explanation. They may give you the the "legally" required information, but not the actual impact on the individual. Voluntary excess pointless! You get cheap insurance because you get cheap customer service.