Car Insurance We have been arranging car insurance for our customers for over 40 years and have access to some great products, offering excellent cover at afforable prices. Low excess levels, we will let you choose whether or not to increase your excess in order to reduce your premium. We will not automatically include a high excess to produce a lower quote. The majority of our insurers provide a courtesy car as standard. In the event of a fault or non-fault accident we will not charge you extra for this benefit. European cover is included as standard on most insurance policies.