I pay £406 a year, but am covered for everything from kithchen cleaning, working at hights etc, I was starting to think this is a bit steep but I have no excess.
But you have to think, if I was pay £100 and not claim for a year, ive saved £300 for the next year and if didnt claim again, and so on and so on, but I would have to make sure that I always had that £500 excess sitting in the bank, just in case
Hay the excess might be high but id be better off, and how often am I likely to make a claim and how likely are they to pay out