Heritage also with a lot of others are just a broker, not an insurance company, they are underwritten by kgm, who over the years have really been reign g in their cover costs, under normal car cover (covered through other broker on another car) they write off any cars over ten years old no matter how light the damage. And no fault claims count against you with them.
So definitely worth shopping around, in our circumstances with our other cars we have found Aviva to be one of the best we have dealt with especially on paying out.
