Hello i hope you are all well.Just renewed the insurance..again with Adrian Flux..Fully Comp.£185.Also i paid a extra £39.99.This allows me to get any excess back,fault or no fault.When we were trying to get the door card off to open the door,my son used a screwdriver to try and prise the top of the door card off,and the glass shattered.I had to pay £100 excess to get a new glass fitted.This did not effect my no claim bonus,and was before the add on excess cover.So i think £39.99 is well worfh paying.Plus after any claim it is instant and you do not gave to wait until your insurance cover ends to get your money back.Best Wishes Barry