One other thing that kept me with G&W for many years was their salvage arrangement in the event of a write off. I understood that in the event of a write off, the policy provided for salvage buy back at 20% of the agreed value.
How much that might be worth to an owner depends on the circumstances I suppose and whether someone would want to buy the salvage and rebuild at home, but having a fixed % seemed a valuable feature to me.
I have since moved away from them, solely because my TR policy covers other cars as well, so there is a saving in premiums
Malcolm
