Always get insurance

So, while we were in Iceland a 46k/ph gust of wind ripped the door of our hire car out of my hand, bending it backward against the hinges, popping out the doorstop and denting the body-work as it opened about 90 degrees further than its designers had even intended. We managed to get it to a local garage – with me holding the door closed while Frankie drove – who managed to fix it so at least it was legally drivable for the remaining day of our holiday.
 
Obviously, we had to own up once we returned the car. This wasn’t a ding or a scratch we could hope they’d miss. There was a large chunk of metal in the footwell that had once been inside the door. So they came and had a look, wrote it all up, and told us it would be approximately £1200 to fix.
 
Luckily, we had taken out full insurance with the car hire company, which took the amount we had to actually pay down to £170.
 
Even more luckily – I discovered today – when we originally booked the car online we had also taken out Excess Insurance, which paid out on any excess required on an insurance claim.
 
I sure don’t remember doing this, but it means I’m getting that £170 back.
 
And here endeth the lesson as to why you should always have insurance.
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