I too have taken out extra 'insurance' for £50 that ensures that any damage to my new-ish car is handled by the dealer rather than the cowboys. It only supplements comprehensive insurance but includes Breakdown Assistance and Courtesy Car.

I phoned my Insurer Zurich (as it is renewal time) to see what discount I could get for deducting these two items but they said the quote was a package that could not be split (as I expected).

But, in going through the car details I answered the reduced car value and this resulted in a slightly lower premium, which is a point you might like to remind readers as the new vehicle value after more than a year will have reduced by 15-20%. The Insurance Companies have £5,000 bands and dropping down a band saves money that they will not do unless prompted.