DH has a 10 year old BMW. Car insurance was £450 p a with a £200 excess, including no claims protection.
Unfortunately we have had three bumps in the last two years, two involved slowly backing into posts, one a clash of wing mirrors. This year the premium has rocketed to £1100 with a £300 excess so we are looking for alternative insurance.
I have discoved that some companies don't insure oldsters. DH is 75. Suddenly we are faced with the very real possibility that he will be priced out of driving, especially if he has any more bumps.
We are now wondering how to balance yearly premium with the amount of excess. Obviously, the greater the excess, the lower the premium will be.
I am interested to know a) if anyone has a good insurance company they would like to recommend and b) if anyone else has come across this kind of problem with car insurance.
Sorry, I know it's a bit of a boring post but we are getting stressed and have already had a couple of shouting matches 
What time do you get up and go to bed?
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