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If you are involved in an accident do not discuss who was to blame as this could lead to complications for you and your insurance company. However you should still take down the facts of what occured.
Voluntary excess is an agreement you make with the policy provider to pay a higher percentage of excess at the time of an insurance claim. This also means it would be unlikely you would make a claim for a small amount of cash and risk losing your no claims bonus.
For a small extra premium most companies let you protect your no claims discount. However you need to check to see if this is transferable to another bmw cornhill direct car insurance if you choose to move company at a later date.
