+1 and you deserve everything you get in my book!
I can never understand people like my c0ck of a father. He is terrified about being 'fully insured' so he pays fully comp on a car worth a packet of crisps, protects his no claims bonus, worried about excesses being low, legal cover and all that guff.
.........then when I used to ask if he declares, his alloys, stainless zorst, aftermarket parking sensors, airfilter ETC he's like 'well the car already had alloys on it and the zorst doesn't do anything'.
So he's basically paying all these premiums for whats effectively an uninsured car because the policy will be voided if he ever comes to claim.
But then again like I said........the guy is a *****.