LV have been my insurer since retiring 5 years ago. "Free" European cover for 180 days, protected NCB , good reviews. At renewal comparison sites havent offere anything tempting enough to chznge.
However my wife hasn't found their quotes so attractive and their advertised multi-car policy is not available via their call centre and was expensive. She is with Saga and allthough it went up n year 2 they were still cheaper than LV.
So there are no hard and fast best buy rules.
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