Bunch of con artists the lot of them! I recently enquired with my insurer about being covered on a courtesy car whilst mine was being repaired (repaired was not the right word to use as it sent them flapping!). Its in for engine repair work due to a design issue from manufacture. However, I disagree with their £1500 excess on courtesy cars for dealer insurance and apparently, my own insurance might cover it. Anyway, they started flapping saying I need to declare all incidents regardless of fault or claims or intention to repair etc and its against the law to not declare and it would invalidate insurance etc etc. Took 15 minutes to get through to explain I was not making a claim nor had an accident/incident and it was basically warranty work which provided me with a courtesy car. No doubt I got a flag against my account now! The whole industry seems corrupt to me and they know you have limited options in terms of paying or not. This very same insurer waited a month into my policy to contact me saying to update my claim, apparently they have a subcategory that was left blank by the comparison website, meant I got hit with an extra £180 on top of the £750 already paid! Out of the cooling off period to cancel without fees and I couldn't ignore it as they'd cancel the policy. Over a barrel was the term I used, they laughed and took my card details. Already have the auto-renew struck off my account!